Stock the case before the holidays, cover payroll in quiet months and keep vendors paid. Funding from $25,000 with a 5-minute application.
Check My OptionsJewelry Store Working Capital
Jewelers buy months before they sell. Our working capital is sized to your deposits so you can fund inventory and operations without waiting on a bank.
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.
A 5-minute application and about three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified stores.
FICO scores from 500 are considered. We put real weight on steady deposits from your sales.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can map it against your selling calendar.
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.
A jewelry store can post strong annual sales and still feel squeezed in September. Inventory is expensive, it sits in the case for weeks or months, and the biggest selling windows (the holidays, Valentine's Day, engagement season, graduations) all require you to buy ahead. By the time the register is busy, the cash that bought those pieces left the account long ago.
Working capital fills that gap. It is money you can put toward whatever keeps the store running: restocking bridal lines, covering payroll during a quiet stretch, paying a vendor on memo terms, or funding a trunk show.
We look at your business bank statements, usually about three months, to see how deposits move through the year. That picture tells us more about a jewelry store than a tax return would, and we do not require tax returns. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Most jewelers use working capital for one of a few jobs:
If inventory is the main driver, our guide on jewelry store inventory funding goes deeper. For quiet months, see slow season funding.
Our working capital is built for established jewelry stores with steady deposits. Independent single-location shops, family-owned stores and sole proprietors can all apply. FICO scores from 500 are considered, because we weigh the health of your deposits alongside credit.
If you want to compare products first, our line of credit for jewelry stores may suit repeat, smaller draws better. When you are ready, start your application.
Amounts range from $25,000 to $5,000,000. Where you land depends mainly on your monthly deposits and any existing obligations shown on your statements.
No. We work from about three months of business bank statements plus a short application.
You can use working capital for general business needs, including buying inventory outright or paying vendors you work with on memo.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.
Example uses for illustration only.
A few habits make a jewelry store's application stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding