💰 Flexible financing available for inventory, equipment, marketing, and expansion.
💎 Loan options include working capital, SBA loans, merchant cash advances, and equipment financing.
📉 Bad credit? You may still qualify with strong cash flow or collateral.
🏦 SBA loans offer low rates & long terms but require more paperwork.
📊 Typical qualifications: 550+ credit score, $75K+ annual revenue, 6+ months in business.
⚠️ Watch out for personal guarantees, high rates on alternative loans, and short repayment terms.
📈 Use financing to grow via new locations, marketing, or eCommerce.
📝 Apply easily online with quick approvals—funds in 1–3 days for most products.
Jewelry stores combine luxury, craftsmanship, and customer service to create timeless experiences. Whether you’re a small business specializing in custom designs or a fine jewelry boutique offering wedding bands and precious metals, securing the right jewelry financing can help your store thrive in a competitive market.
Running a jewelry store entails high business expenses, including inventory costs, display cases, security systems, and specialized equipment. From startup capital to funds for expansion, small business loans for jewelry stores can provide the financial support needed to stay ahead of trends, manage operating costs, and offer financing to your customers.
Since customers often purchase jewelry products with debit or credit cards, we usually recommend a merchant cash advance for jewelry stores. This type of working capital loan is paid back via a fixed percentage of future debit and credit card sales. Significant payments are only made when a significant amount of revenue is being generated from these transactions. As long as you show substantial debit and credit card sales, occasional dips in revenue will not impact your application.
The merchant cash advance payment system makes it a fabulous tool for financing investments amid tumultuous cash flow. Many borrowers can purchase inventory and launch marketing campaigns during slower periods, even though they won’t see any additional revenue for several months.
One of our clients owns a large jewelry store on 47th Street that specializes in gold products. He contacted us shortly before an event in which wholesalers worldwide come to sell jewelry to retail store owners. Having a large amount of cash would allow the client to purchase gold at a deep discount instead of finance it. We provided a $65,000 merchant cash advance that ultimately increased the client’s revenue by 25% and, thanks to the use of cash, drew a large profit.
We are aware that many jewelry stores are owned by women. Since women usually start businesses with less working capital than men, they have a much harder time growing their businesses. This is why United Capital Source has access to small business loans for women looking to overcome natural but unfair disadvantages.
With these small business loans, obstacles like limited funds, poor credit history, or your business’s size will no longer stop female borrowers from accessing the amounts and terms required to stay competitive in this chaotic industry. Apply now to see how much you qualify for!
Jewelry store business loans are funding solutions designed specifically for the needs of the jewelry industry. These loan programs provide capital for various business needs, such as purchasing inventory, upgrading equipment, covering operating costs, or launching a new location.
Just like other small business loans, jewelry store financing can come in various forms, including short-term loans, long-term loans, and specialty financing options such as equipment loans or a business line of credit. These funding options allow jewelry store owners to access the cash flow needed to manage day-to-day operations or invest in growth. Having a comprehensive understanding of your financing options can help you choose the best small business loan for your jewelry store needs.
Jewelry Store business loans come in the form of:
Business loans for jewelry stores work by providing you with a lump sum or revolving credit to use toward your business expenses. The repayment terms, interest rate, and borrowing limits vary depending on the loan type, your financial stability, credit score, and business financials.
Jewelry store financing options include working capital loans and term loans, which provide upfront funds repaid over a set period. Equipment financing enables jewelers to acquire the tools and equipment essential for their business, including ultrasonic cleaners, engraving machines, and advanced lighting for display cases.
A business line of credit allows you to borrow funds up to a predetermined limit and only pay interest on the amount you use. This option is ideal for managing fluctuating cash flow or handling emergency expenses.
Merchant cash advances are utilized for short-term cash flow needs in the jewelry industry. Repayment is tied to a percentage of your daily debit and credit card sales, making it a flexible option for businesses with steady revenue.
SBA loans typically offer competitive rates and terms for jewelers. The Small Business Administration partially guarantees these loans. With government backing, these loans often have longer repayment terms and lower interest rates. However, the application process can be more extensive, requiring strong business financials and a solid business plan. Large SBA loans (over $350k) often require a down payment.
| LOAN TYPES | MAX AMOUNTS | RATES | SPEED |
|---|---|---|---|
| Merchant Cash Advances | $7.5k – $1m | Starting at 1-6% p/mo | 1-2 business days |
| SBA Loan | $50k-$10m | Starting at Prime + 2.75% | 8-12 weeks |
| Business Term Loan | $10k to $5m | Starting at 1-4% p/mo | 1-3 business days |
| Business Line of Credit | $1k to $250k | Starting at 1% p/mo | 1-3 business days |
| Receivables/Invoice Financing | $10k-$10m | Starting at 1% p/mo | 1-2 weeks |
| Equipment Financing | Up to $5m per piece | Starting at 3.5% (SBA) | 3-10+ business days |
| Revenue Based Business Loans | $10K – $5m | Starting at 1-6% p/mo | 1-2 business days |
Jewelry store business loans provide flexible funding to cover a wide range of business needs. Whether it’s upgrading your display cases or purchasing a bulk order of diamonds, several financing options can help you scale without sacrificing cash flow.
These loans can support inventory expansion, custom design equipment, store renovations, and hiring staff. With a well-crafted business plan and the right lender, you can secure competitive rates and loan terms tailored to your goals. Some loans may even help you build your business credit, opening up more funding options in the future.
While business financing offers numerous benefits, it also has several drawbacks worth noting. Many lenders require a personal guarantee, meaning you’re personally liable if your business defaults on the loan. Additionally, some loan options come with higher interest rates, particularly for businesses with lower credit scores or those seeking bad credit business loans.
The loan application process can be time-consuming, and some lenders require collateral or detailed bank statements. Short-term funding options, such as merchant cash advances or alternative loans, can be easier to access but may come with higher fees and shorter repayment terms.
Pros:
Cons:
The amount of paperwork required depends on the product you choose. Funds can be approved and distributed for most products within 1-3 business days. Here’s how to apply:
The first step is choosing the most sensible solution to the problem at hand. This should require some research, as each product is designed for different types of expenses and cash flow cycles. Are you looking to cover a short-term or long-term expense? Is demand expected to increase or decrease in the coming months?
Considering the funds’ purpose will also help us determine the correct borrowing and terms for your needs.
Here are the documents and information required for Jewelry Store Business Loans:
Driver’s license
Voided business check
Bank statements from the past three months
Invoice for equipment (for Equipment Financing)
Credit card processing statements from the past three months (for Merchant Cash Advance)
SBA loans require additional documents and information, such as financial statements. To learn what’s needed for the SBA-backed loans, visit our SBA loan page.
You can begin the application process by calling us or filling out our one-page online application. Either way, you’ll be asked to enter the information from the previous section along with your desired funding amount.
Once you apply, a representative will contact you to explain the repayment structure, rates, and terms of your available options. This way, you won’t have to worry about any surprises or hidden fees during repayment.
If you’re approved, we’ll contact you within 24 hours. After closing, funds for most business financing products should appear in your bank account within 24 hours to one week.
Your business loan isn’t just a way to get financing for your business. It’s also an excellent opportunity to start building (or improving) your credit.
Regardless of the type of business loan you get, make all your required payments on time and in full. If you get a business credit line or another form of revolving credit, keep your balance below the credit limit.
Consistently making your business financing payments on time and in full will positively impact your credit. And that means preferred rates and terms when you next need business financing.
If your application is declined, it’s possible that you applied for the wrong product to meet your cash flow needs. We would likely recommend a different product with a less hazardous repayment structure in this case.
Your application might also be declined if it is determined that you cannot afford to take on more debt at this time.
If your credit score is holding you back from accessing financing, consider working with a reputable credit repair service to raise your scores.
Jewelry stores require business loans to cover substantial upfront costs, manage seasonal fluctuations in demand, and invest in long-term growth. Financing helps cover expenses such as inventory, tools, employee wages, store renovations, and marketing efforts.
In addition, many jewelry businesses face increased competition from online retailers. Whether launching a new collection or redesigning your storefront, having access to capital can help you compete in a crowded marketplace.
Many jewelry store owners struggle to obtain business financing due to the unique nature of the industry. Jewelry stores can get funding from traditional banks, credit unions, and online lenders; however, the high value of goods, fluctuating sales, and niche inventory requirements can create additional risk for lenders.
A credit score is a significant factor in qualifying for business loans. Unsecured lines of credit require credit scores of at least 680, while lower credit scores may limit your options to high-interest loans. Alternative loans for jewelry stores have higher rates than traditional funding options.
Having a solid business plan can enhance the likelihood of qualifying for business loans. Bank loans are the most affordable form of financing for jewelers, but collateral can significantly increase the chances of approval. Jewelry store owners should maintain accurate financial records when applying for a business loan.
Small business owners should shop around different lenders to find the best deal for their jewelry store financing needs. Compare testimonials from other business owners when deciding on a financing partner.
Business financing can help jewelry store owners grow by enabling investments in new inventory, expanded services, or additional locations. A well-crafted business plan demonstrates an understanding of the industry, market trends, and competition—key factors that lenders consider when approving funding.
Financing can also support digital marketing campaigns, eCommerce expansion, or new equipment purchases, helping you attract more customers and increase revenue. Several factors go into making an informed decision about the best loan options for your jewelry store.
Yes, you can obtain a jewelry store business loan despite having bad credit. At United Capital Source, borrowers with bad credit can access the following products to acquire the necessary capital for their jewelry businesses:
Business Line of Credit
Equipment Financing
Working Capital Loan
Merchant Cash Advance
Revenue-Based Business Loans
Most of these products carry shorter terms and are relatively easy to repay. When you have bad credit, you’ll receive shorter terms and higher rates to reduce default risk. However, if you have excellent cash flow or can provide collateral, you may be able to access higher borrowing amounts and competitive rates, even with bad credit.
For example, the borrowing amount for a Merchant Cash Advance is based on your debit and credit card sales volume. If many of your sales come from these payment methods, you may be able to access up to 150% of your monthly debit and credit card sales.
Fraud Disclosure:
Please be aware that individuals have been fraudulently misrepresenting to business owners (and others) that United Capital Source, Inc. (“UCS”) can assist small businesses in receiving government grants and other forgivable business loans, when in fact those grants or loans do not exist or are not available. These individuals have ulterior motives and are engaging in the unauthorized use of the names, trademarks, domain names, and logos of UCS in an attempt to commit fraud upon unsuspecting small business owners.
UCS will never communicate with a prospective client on Facebook, Facebook Messenger, or any other type of social media. Further, any email communications will always come from an official UCS email address and not a Gmail, Yahoo, or other email domain. If you believe you have been contacted by someone posing as an employee of UCS, please email [email protected].
