Merchant Fund Express
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Big Contract Funding for Jewelry Stores

Buy metal and stones and staff the bench for large corporate, wholesale or custom orders before the client pays.

Fund the Order

Jewelry Order Funding

Take the large order without draining the store

Big orders mean buying materials and paying for bench time up front. We fund the work based on your existing deposits.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Order funding at production speed

Quick start, light paperwork

Five-minute application and bank statements. Funding in as little as 24 hours for qualified stores.

Credit history in context

FICO 500+ considered. Your deposit pattern matters most in our review.

The full cost, stated plainly

Your offer shows the total repayment amount before you accept. No surprise costs after signing.

Repayment laid out ahead

The schedule is in your offer up front so you can match it to the client's payment dates.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Large orders need materials before payment

Not every big sale happens across the counter. A company orders service award rings or anniversary pieces for its staff. A boutique or retailer places a wholesale order for your house designs. A school, team or organization wants custom class rings or championship pieces. These contracts can be excellent business, but you buy the gold, silver and stones and pay for the bench time long before the final invoice clears.

Funding for a big contract for jewelry stores covers those costs so you can accept the job without stalling your regular retail business.

Where the money goes

Metal prices can move between the quote and the purchase, so build a cushion into your estimate. It also helps to agree on a deposit from the client, which reduces how much you need to fund yourself.

How we size contract funding

We review about three months of business bank statements. Your existing deposits are the base we work from, and the order details help you request the right amount. No tax returns are required, FICO scores from 500 up are considered, and sole proprietors can apply.

The five-minute application starts with a soft credit pull. Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations, and can arrive in as little as 24 hours for qualified businesses.

Choosing the right fit

A lump sum of working capital fits a single large order with a clear delivery date. If you take on recurring contracts, a business line of credit lets you draw for each one. Revenue-based financing is another option when you want repayment to follow deposits.

Read the full repayment amount and schedule in your offer and compare them with the contract margin. When it works, apply now.

Frequently Asked Questions

What kinds of big contracts do jewelers fund this way?

Corporate award programs, wholesale orders from other retailers, custom pieces for schools or teams, and large private commissions are typical examples.

Can funding cover precious metal purchases?

Yes. Buying gold, platinum or silver ahead of production is one of the main reasons jewelers seek contract funding.

Do you need a copy of the purchase order?

It helps you request the right amount, but our decision rests mainly on your business bank statements.

What if the client pays in stages?

Plan your request around the payment schedule. A line of credit can let you draw only what each production stage needs.

How fast can I start production?

Funding can arrive in as little as 24 hours for qualified businesses after a five-minute application.

Gold for award rings $52,000.00
Wholesale stones $44,000.00
Bench overtime $25,000.00
Casting and finishing $29,000.00

Example uses for illustration only.

How to improve your chances

These steps help you request funding that matches the contract.

  • Price metals with a buffer for market moves
  • Confirm the client's payment schedule in writing
  • Keep business deposits separate from personal
  • Know your existing obligations before applying

Contract funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements, no tax returns
Financials and order review
Speed
As little as 24 hours if qualified
Weeks of underwriting
Credit
FICO 500+ considered
Strong credit expected
Credit check
Soft pull to start
Hard pull common
Range
$25,000 to $5,000,000
Varies, often collateral-based

Accept the order and get to the bench

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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