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Specializing In Small Business Loans For Jewelry Stores

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    Small Business Loan Options For Jewelry Stores

    You don’t have to be a business financing expert to envision the tremendous amount of working capital required to run a jewelry store. As if the materials used to make their products weren’t already expensive enough, their costs have risen over the past few years. Profit margins, however, have reportedly decreased, especially on diamonds.

    Some stores attempt to offset these obstacles by doing more repairs and custom work, which come with their own costs. Others order more or less of certain items. While jewelry does maintain its worth longer than conventional retail products, anything loses value when tastes change. It is also easy for jewelry stores to order too much inventory at the wrong time and ultimately reduce working capital.

    Digital marketing has become increasingly important for jewelry stores as well. Customers must be able to browse products in detail on user-friendly websites and discover the products they’ve been looking for on social media. Long-term marketing campaigns would probably be a lot easier to finance, were it not for the sporadic, seasonal nature of jewelry sales. Most stores perform most of their sales during peak seasons (holidays, weddings) and are prone to unexpectedly busy periods due to birthdays or anniversaries.

    United Capital Source has many years of experience facilitating Small Business Loans for Jewelry Stores. We have access to all types of business lending productsContact us today for your FREE business funding consultation!

    In this guide, we’ll answer the following questions and more:

    A few ways to use your funds:

    Purchase New Inventory
    Buy Discounted Inventory In Bulk
    Stock Up For Holiday
    Advertise Your Business

    It's in! Wanted to thank you again for helping us out with BOTH PPP loans! They were a life saver and we all really appreciate it! You guys have been very easy and painless to deal with. All the online docs are easy to fill out and how it should be.
    Kevlar

    Free Consultation No Obligation

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    to get you the best business loan

    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’re here when you need us.

    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 industryApply now to see how much you qualify for!

    Business Loan Options Compared

    LOAN TYPESMAX AMOUNTSRATESSPEED
    Merchant Cash Advances$7.5k – $1mStarting at 1.09%1-2 business days
    SBA Loan$50k-$10mStarting at 5%3-5 weeks
    Business Term Loan$10k to $5mStarting at 5%1-3 business days
    Business Line of Credit$1k to $250kStarting at 8%1-3 business days
    Receivables/Invoice Financing$10k-$10mStarting at 5.8%1-2 weeks
    Equipment FinancingUp to $5m per pieceStarting at 5%3-10 business days
    Revenue Based Business Loans$10K – $5mStarting at 9%1-3 business days

    Who Qualifies For Jewelry Stores?

    Approved businesses generally met the following criteria:

    We have access to various business loans for Jewelry Stores.

    Proven to work for our clients. Get one today.
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    It's in! Wanted to thank you again for helping us out with BOTH PPP loans! They were a life saver and we all really appreciate it! You guys have been very easy and painless to deal with. All the online docs are easy to fill out and how it should be.
    Kevlar

    Free Consultation No Obligation

    Why Choose United Capital Source?

    Why businesses choose UCS:

    1
    Quick funding options that won’t affect credit
    2
    Access to 75+ lenders with multiple products to choose from
    3
    Financing up to $5 million in as few as 3 days
    4
    1500+ 5 star reviews from happy clients!

    Ready to grow your business? See how much you qualify for:

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