Business Loans for Jewellery Stores & Watch Shops

We offer advances ranging from £3,000 up to £300,000 or more, with the amount based on your monthly card sales. The more card transactions your store processes, the higher the potential advance you could access.

For example, if your shop processes £10,000 per month in card payments, you could typically borrow that same amount. In some cases, businesses may be able to access up to 150% of their monthly card turnover, depending on your sales performance and repayment capacity.

A merchant cash advance works differently from a traditional term loan. Repayments are tied to your card sales, meaning you pay a small percentage each time a customer pays by card. This ensures repayments naturally adjust with your revenue, slower months mean smaller payments, while busier months see faster repayment.

The repayment percentage is agreed upfront. For example, if you repay 10% of each card transaction, and a customer pays £100, £10 goes towards the advance and you keep the remaining £90.

No, this business loan is unsecured, which means you don’t need to put your shop, stock, or other business assets up as collateral. However, like most unsecured finance, you may be asked to provide a personal guarantee in case your business is unable to repay the advance.

Qualifying for a merchant cash advance is simple. Your business may be eligible if you meet the following criteria:

• UK based business (sole trader or limited company) trading for more than 3 months
• Have been accepting card payments for at least 3 months
• Have a monthly card turnover of at least £3000

This makes it easier for many independent jewellers to access fast, flexible funding compared to traditional commercial finance, which often has much stricter eligibility requirements.