Business Loans for Jewellery Stores & Watch Shops

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
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Quick Decision with No Obligation

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Supporting British Businesses

Jewellery and watch business funding

Do you need fast access to capital to launch an online shop or to future-proof your store? We have helped many established and smaller independent jeweller and watch stores get the business finance they need to fund their goals.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

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 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

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Quick Decision with No Obligation

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Fast business finance that supports your jewellery and watch shop

The jewellery and watch store market size is worth £6 billion in the UK, with approximately 7,774 number of businesses selling these luxury items. Some of the industry's biggest names include Watches of Switzerland, Pandora, Tiffany & Co and Links, to name a few.

In recent times, the retail industry has taken a blow after the temporarily enforced closure of retail stores due to the result of the global COVID-19 pandemic. As stores close, consumers swiftly moved online in search of purchasing jewellery and watches. Business owners are having to navigate this challenging climate and adapt their business quickly. This is where we can help support you financially with a merchant cash advance.

We understand that you need to focus on your business, and that's why our business finance solution is simple, fast and flexible. Why not get your free no-obligation quote today?

Apply Now

Quick Decision with No Obligation

Business Loans for Jewellery Stores & Watch Shops - Small business owner

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 from £3000 up to £300,000+, but your card revenue will decide the amount you can get.

Let's say your jewellery business averages £3000 on your in-store PDQ machine every month. Generally, you will be able to borrow 100% of that amount, so £3000. But in some case, businesses can borrow up to 150% of their monthly card turnover.

It works differently from a typical term loan that you are familiar with. As the advance is based on your cards sales, repayments are made directly every time you make a sale. Repayments work in line with your revenue, so there are no fixed monthly repayments or strict terms to worry about.

The amount you repay will be a percentage of these card sales. For example, 10% of the value of every card transaction will go towards paying the advance. This percentage is agreed on upfront.

No, this type of business loan is not secured on any business property or asset. The advance is unsecured, but you may have to provide a personal guarantee should your business fail to pay the finance back. Our experts will talk you through this before you commit to signing.

The qualifying criteria is simple and straightforward. For your business to qualify for a merchant cash advance, you must meet the following criteria:

  • UK based business 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
Apply Now

Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many Jewellery & Watch stores across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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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.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


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.

Apply Now

Quick Decision with No Obligation

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