Cover fixed costs and buy for the next peak while foot traffic is light. Bank statements only, no tax returns.
Plan My Off-SeasonJewelry Off-Season Capital
Quiet months are when smart buying happens. We fund the lean stretch based on your deposit pattern, slow weeks included.
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.
Five-minute application and about three months of statements. Funding in as little as 24 hours for qualified stores.
FICO 500+ considered. We look at the full year's rhythm in your deposits.
Your offer shows the full repayment amount before you accept, with no surprise costs after signing.
The schedule is in your offer up front, so you can line it up with your busy season.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Most jewelers know their calendar by heart. The weeks after New Year's, late summer, and the stretch before the holiday push can run slow, while rent, insurance, alarm monitoring and payroll stay the same. The irony is that the slow season is also when you should be buying for the next peak.
Slow-season funding for jewelry stores gives you breathing room in the lean months so you walk into the next rush stocked and staffed.
Trade shows and vendor buying events often happen well before the holidays. Arriving with cash lets you choose pieces instead of taking leftovers.
Slow weeks are a good time to repair equipment, update display cases or refresh the showroom without disrupting busy days.
Anniversary and upgrade campaigns to existing clients can bring in sales when foot traffic is light. A short mailer or text to past bridal buyers costs little and often brings people back through the door during weeks that would otherwise be quiet.
We review about three months of business bank statements. If those months include a slow period, that is normal for jewelry, and the pattern helps us size funding sensibly. No tax returns are required, FICO scores from 500 up are considered, and sole proprietors can apply.
The five-minute application begins with a soft credit pull. Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
A business line of credit fits stores that want a cushion they draw only when needed. Revenue-based financing moves with your deposits, which some owners prefer when sales are uneven. A lump sum of working capital suits a specific plan, like a buying trip.
Every offer lists the full repayment amount and schedule before you accept. Read our jewelry store cash flow guide for planning tips, then apply when ready.
Funders expect seasonality in jewelry. We look at the overall deposit pattern, and a predictable slow period is part of that picture.
Borrow for what you actually need: fixed costs you cannot cover plus any buying you plan to do. Check the repayment schedule against when your busy season starts.
Yes. Many jewelers use quiet-month funding to buy ahead for the holidays or bridal season.
Funding can arrive in as little as 24 hours for qualified businesses after a five-minute application.
No. We start with a soft credit pull to review your options.
Example uses for illustration only.
Seasonal stores can strengthen a request with a little preparation.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding