Fast retail finance for jewellers
Need quick access to capital to grow your jewellery or watch business? Whether it’s launching an online shop, expanding your showroom, or stocking up on high-value inventory, our business finance is fast, flexible, and tailored to your needs.
Works with your card sales
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Flexible repayments
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
No asset security required
The advance is unsecured, so your business assets are safe.
Fast funding
A quick decision and process mean you can access your money in just 24 hours* after approval.
No hidden costs
The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply online 24/7
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
Shine brighter with flexible jewellery business funding
The UK jewellery and watch market is worth £8.1 billion, with around 4,555 businesses selling these luxury items. From small independent high street jewellers to larger brands like Watches of Switzerland, Pandora, Tiffany & Co, and Links, competition is fierce, and standing out is key.
Running a successful jewellers requires constant investment, whether it’s updating stock, expanding your showroom, launching an online shop, or investing in marketing to attract new customers. Access to reliable funding can make all the difference in helping your business grow and stay ahead of the competition.
Our merchant cash advance is a simple, fast, and flexible solution designed to support your business exactly when you need it. Borrow funds quickly, repay through card sales, and focus on what matters most - growing your jewellery business.
Get your free, no-obligation quote today and see how we can help.
Apply NowQuick Decision with No Obligation
Jewellery business loan for any purpose, such as:
- Increase stock levels of gold and silver jewellery, rings, necklaces, bracelets, diamonds, earrings, watches and more
- Upgrade and freshen up the interior of your store
- Help support short term cash-flow problems
- Hire and train new staff including sales assistants and store managers
- Emergency repairs and general maintenance
- Open an online shop and expand your sales reach globally
- Marketing and advertising budgets
- Embrace technology such as iPads to help capture sales on the floor
- Purchase new retail displays, stands and more
- Expand to offer on-site watch or jewellery repair and maintenance services
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.
Quick Decision with No Obligation
"We have helped many Jewellery & Watch stores across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
It's as easy as 1-2-3!
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
1
Apply online in minutes
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
2
Get funded in 24 hours*
The merchant cash advance can be with you in as little as 24 hours* after approval.
3
Repay only when you sell
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
