Merchant Fund Express
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Expansion Funding for Jewelry Stores

Open a second store, add a design studio or remodel your showroom without pulling cash from daily operations.

Grow My Store

Jewelry Store Growth Capital

Build the next showroom on the strength of the first

Expansion means paying for space, security and stock before sales start. We fund it from the deposits your current store already produces.

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.

Growth funding without the bank hoops

Fast, with a short checklist

About three months of statements and a five-minute form. Funding in as little as 24 hours for qualified stores.

Credit considered broadly

FICO 500+ is considered, with strong weight on deposit history.

Full cost before you commit

Your offer shows the total repayment amount up front. No surprise costs after you sign.

Plan repayment from day one

The repayment schedule is in your offer, so you can map it against your opening timeline.

Cash flow tight this month?

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.

What expansion looks like for a jeweler

Growth in this business takes many forms. Some owners open a second store in a nearby shopping district. Others add an in-house custom design studio with CAD and casting, build out a bridal salon, or expand online sales with better photography and e-commerce. Each one asks for money up front: build-out, security, inventory for new cases, and staff to sell it.

Expansion funding for jewelry stores covers that upfront spend so growth does not come at the expense of your existing store.

Costs to plan for

  1. Space: lease deposits, build-out and lighting
  2. Security: safes, cameras, alarm systems and secure display cases
  3. Inventory: enough stock to fill new cases from day one
  4. People: hiring and training sales staff or a designer
  5. Marketing: letting your area know you have opened

Security and inventory often surprise first-time expanders. Price them carefully.

Online growth

If expansion means selling online, budget for product photography, a store platform, shipping insurance and returns. Online buyers expect clear images and fast answers, and both take time and money to set up well. Starting with your best-selling bridal and gift lines keeps the first catalog focused.

How we evaluate an expanding store

We review about three months of business bank statements to see how steady your current store runs. A healthy existing operation is the foundation for growth. If your first store is already stretched, it may be worth fixing that before adding a second set of costs. Tax returns are not required, FICO scores from 500 up are considered, and sole proprietors can apply.

Applying takes about five minutes and begins with a soft credit pull. Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

Structuring the funding

Working capital handles build-out and opening inventory. Equipment financing suits safes, CAD printers and casting gear. If you are rolling out in phases, a line of credit lets you draw as each stage begins.

Your offer shows the full repayment amount and schedule before you accept. Weigh that against what the new location should add, then apply here.

Frequently Asked Questions

Can I use expansion funding for a second location?

Yes. Lease deposits, build-out, security and opening inventory for a new store are common uses.

What about adding a custom design studio?

That works too. CAD software, printers and casting equipment can be covered with working capital or equipment financing.

Is there a minimum time in business?

We work with established businesses that have steady deposits. Your recent bank history drives the offer.

How fast can expansion funds arrive?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Will you look at my personal credit?

We start with a soft credit pull. FICO scores from 500 up are considered alongside your deposit history.

Second store build-out $140,000.00
Security system $32,000.00
Opening inventory $110,000.00
CAD studio setup $45,000.00

Example uses for illustration only.

How to improve your chances

Expanding stores get better-sized offers when they bring these to the table.

  • Write a line-item budget for the new space
  • Price security and opening inventory early
  • Keep current store deposits steady and clean
  • List current obligations and payment dates

Expansion capital: us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
Bank statements, no tax returns
Tax returns plus projections
Credit
FICO 500+ considered
Strong credit usually required
Speed
As little as 24 hours if qualified
Weeks to months
Credit check
Soft pull to start
Hard inquiry common
Sole proprietors
Can apply
Often harder to qualify

Open the next chapter of your store

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

Apply for Funding
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