Merchant Fund Express
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Emergency Funding for Jewelry Stores

Safe failure, break-in, or a bill that can't wait? Apply in 5 minutes, start with a soft pull, and get funded in as little as 24 hours if you qualify.

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Jewelry Store Emergency Funding

Keep the cases full and the doors open

A surprise expense shouldn't force you to pull inventory or miss payroll. We review your deposits, not a stack of tax returns, and give you a clear offer quickly.

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.

Built for urgent jewelry store needs

Fast, light paperwork

A 5-minute application and about three months of bank statements. Qualified stores can be funded in as little as 24 hours.

Credit history isn't everything

FICO 500+ is considered. We weigh your store's steady deposits alongside your score.

Know the total before you sign

Your offer shows the full repayment amount up front, with no surprise costs added after you sign.

A schedule you can plan around

The repayment schedule is laid out in your offer, so you can budget around holiday peaks and slower months.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

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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.

When the problem can't wait for a bank

A jewelry store runs on trust and on a safe full of inventory that doesn't pay the bills until it sells. When the vault door fails, a display case gets smashed, or a security system needs replacing after a break-in attempt, you can't wait weeks for a loan committee. Our emergency funding for jewelry stores is built for those moments: you apply in about five minutes, we review your recent deposits, and qualified businesses can be funded in as little as 24 hours.

What owners use emergency capital for

Repair and service work brings people in the door. If the polishing motor or laser welder goes down, that revenue stops too, so many owners treat bench tools as part of the emergency.

How we look at your file

We focus on how the store actually performs. Send about three months of business bank statements; we don't ask for tax returns. A FICO of 500 or higher is considered, and the first look uses a soft credit pull, so checking your options won't ding your score. Sole proprietors can apply.

Steady deposits matter more than one big holiday week. If your December carries the year, that's normal for the trade. We look at the pattern, not one month in isolation.

Picking the right product

Most emergencies fit one of three tools. Working capital gives you a lump sum to fix the problem now. A business line of credit lets you draw only what you need as bills land. If the emergency is a piece of equipment, equipment financing ties the funding to that purchase. A merchant cash advance is another option when card sales are strong.

Whatever you choose, your offer shows the full repayment amount and the schedule before you sign. Ready? Start your application.

Frequently Asked Questions

How fast can a jewelry store get emergency funding?

Decisions move quickly after you submit your application and statements. Qualified businesses can be funded in as little as 24 hours.

Will applying hurt my credit?

No. We start with a soft credit pull, which doesn't affect your score.

Do I need tax returns or a business plan?

No tax returns are required. About three months of business bank statements is usually what we need to get started.

Can I use the funds to restock inventory after a theft?

Yes. Restocking cases, replacing security gear and covering deductibles are all common uses for emergency capital.

How much can I get?

We fund from $25,000 to $5,000,000. The amount depends mainly on your deposits and any existing obligations, so every offer is sized to the store's numbers.

Does my holiday season matter to the review?

It helps us understand the business. Jewelry stores often see heavy deposits around the holidays and other gift-giving periods, and we look at that pattern alongside your regular months rather than judging one slow stretch.

Safe repair $32,000.00
Security system $18,500.00
Restock cases $60,000.00
Laser welder $27,000.00

Example uses for illustration only.

How to improve your chances

A few steps can strengthen your file before you apply.

  • Keep all store deposits in one business account
  • Have recent bank statements ready to upload
  • Document the emergency with quotes or invoices
  • Limit new debts while your application is in review

Merchant Fund Express vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes online
Long forms and branch visits
Documents
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Usually much higher scores
Credit check to start
Soft pull
Hard pull up front
Funding speed
As little as 24 hours if qualified
Often several weeks

Handle the emergency, keep the store running

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

Apply for Funding
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