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Jewelry Store Business Loans

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Diamonds are considered among the most durable of gemstones, the same quality many small jewelry store owners have displayed in today’s market.

It’s been tough in recent years with the rise of giant competitors and an increase in consumers buying online. But even with these shifts, small businesses continue to make a majority of jewelry sales in the industry. Additionally, small retailers are still the place consumers often go to have their jewelry, watches and other similar types of accessories repaired.

US retail jewelry stores sold $31.43 billion worth of merchandise in 2016, an increase of 3.8 percent from the previous year, according to US Census data.

There are two main types of jewelry sold at retailers:

  • Retailers of Fashion Jewelry, who follow popular trends. These retailers specialize in inexpensive materials such as beads and products start at a lower price point.
  • Retailers of Fine Jewelry, who use precious metals and stones. These pieces start at a higher price point.

With this competitive landscape, you need a partner who can provide easy access to funding when you need it. BFS Capital has been providing small business financing since 2002. Whether you want to buy more inventory, expand your store, boost marketing, or need help with cash flow, we are here for you. We offer an easy application process and access to funds in as few as two business days1 for qualified applicants.


Your jewelry store’s inventory is likely to be among the most important factors in determining its success. With all the options for buying jewelry,  your inventory needs to be something special, whether it’s fine jewelry or fashion jewelry that is more trend conscious.

Industry experts say too much inventory is one of the most common reasons jewelry stores fail, yet not having enough choices for consumers will hinder sales.  Many jewelry store owners have a control system that helps manage their inventory, including pieces in the showroom and pieces that are stored.  Some jewelry store owners are able to accomplish this with their own manual systems; others use inventory software that includes imaging and bar coding.

It may be beneficial to do an itemized listing of all physical inventory at least once a year. Jewelry inventory management can help you identify your top sellers and items that have been in the store too long.  It can also be helpful if you ever have to file an insurance claim by providing you with the required documentation.

One of the most important aspects of having the right balance is being able to buy special pieces when the opportunity arises, such as sales on precious metals, major estate sales, an industry trade show, or buying the hot trend in jewelry just ahead of the holiday season. That’s why it’s vital to have a financing partner who provides easy access to funds. BFS Capital understands how important inventory financing is for jewelry stores to succeed.  We’ve been working with small businesses since 2002 to provide the financing you need with an easy and fast application process. BFS Capital can provide funds in two business days1 to qualified applicants, so you won’t need to miss out on buying the right inventory for your business.

Jewelry Store Equipment

Your customers may only see the beauty of your products when they come into your store, but you know the hard work that goes into making that experience.

No matter if you buy the jewelry you sell, create it yourself, or if repairs are a big part of your business, your business will require equipment that can be costly.  Some of your equipment may include grinders, professional workbenches, lamps, gemological tools, hammers and mallets, laser welders, loupes and magnifiers, metal forming tools, ultrasonic jewelry cleaner, gauges and scales, molds and casts, engraving tools, and safety equipment.

While the equipment often lasts many years, industry experts say it’s very important that you update certain products regularly since older equipment could damage delicate jewelry pieces.

You should also consider security for your store, such as alarms, cameras, safes and vault systems. Many jewelry store owners hire security firms that specializes in this sector. Although hiring a firm may be costly, these jewelers consider it worthwhile to know their store is secure. Some insurers also provide guidance for their clients in this area.

The costs of equipment can be high, and you may not want to tie up your credit line to fund it. This is where BFS Capital can be the partner you need for easy access to financing the equipment you need for your jewelry story to be a success.

BFS Capital can provide funds in two business days1 to qualified applicants so you won’t need to miss out on opportunities to buy equipment.

Jewelry Store Design

The interior design of small retail stores is more important than ever given all the other option for making a purchase. That means shopping for jewelry should be a memorable experience for customers that begins the minute they enter the store, according to industry experts.

All small business owners should consider how millennials are making up an increasing part of the market.   A survey by that trend research group Cassandra found that 70 percent of millennials surveyed dislike loud and busy stores. They prefer stores where they can actually touch the products, according to the survey.

While you may want to consider if it’s time to modernize your store, there are still some rules to follow in terms of store design, industry consultants say.  One is that fine jewelry inventory should be in enclosed glass display cases for both aesthetic and security reasons.  There are a variety of ways that artisan jewelry may be displayed, depending on if you want customer to handle the merchandise or just to view it.

Lighting is very for all retailers, but particularly for a jewelry store to focus attention on the small merchandise.  Case lighting can be used to draw focus on the details of the jewelry that you are selling.

The costs of renovation may be high, but necessary to your future success.  You may not always have the funds readily available or you may not want to tie up your credit line to fund it. This is where BFS Capital can be the partner you need for easy access to financing to help your business thrive.

BFS Capital can provide funds in two business days¹ to qualified applicants so you won’t need to miss out on opportunities to improve the design of your store.


Your marketing plan should cover all aspects of your jewelry store from pricing, an analysis of your local market, and the best ways to generate more sales. If you sell higher cost jewelry, you may want to address why your products are worth the price and ways to target customers who can afford it.

The most important part of your marketing plans is defining your brand. One good way to start is to define your brand in three words, according to Social Media Week in a recent blog post about marketing for jewelry stores.

The best ways to market your jewelry store is likely to be a mix of new media such as a business website, ads on Yelp, Facebook, Twitter, a presence on Instagram and other popular sites, along with old methods such as direct mailings, brochures and newspaper ads. Coupons may be used for products such as free watch batteries or jewelry cleaners to draw people to visit your store, industry experts say. You may also include such efforts such as sponsoring local sports teams or community events.

If you simply don’t have time to create an effective marketing plan as you concentrate on your jewelry business, hiring a marketing consultant may be the best way to go.

Often it makes sense to get financing for these marketing efforts. BFS Capital understands the importance of marketing for jewelry stores, and we’re here to help you with financing.

BFS Capital can provide funds in two business days¹ to qualified applicants so you won’t need to miss out on the opportunity to grow your business through marketing.


BFS Capital understands the challenges faced by small business owners.  We can offer the financing solutions you need to succeed and grow your business.

We understand the hard work it takes to own a jewelry store. Competition in the jewelry industry means you need every possible advantage in the marketplace. We are here to help you build your jewelry store, whether you need funding to buy inventory, renovate your store, buy new equipment, marketing, or other purposes.

Unlike many other loan servicers, BFS provides personalized service to our customers, and a dedicated relationship manager will be on-hand to help you make the right decisions for your business.  We know you have many options for jewelry store financing, but our focus on customer service makes BFS Capital the best choice.

Whether you recently opened a jewelry store or have many years of experience, we have a variety of funding solutions to meet your specific needs, with business financing from $5,000 to $500,000, and a very easy application process that can get the funds to qualified applicants in as soon as two business days¹.

Let us help you realize the jewelry store of your dreams. For more information, call 1-888-905-4334

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Complete an Application

1. Complete an Application

Simply answer a few questions about your time in business, monthly sales and business type, and your application will be submitted for review.


2. Fast Approval

Once you fill out your application, one of our funding advisors will contact you.


3. Funds in Your Account

When approved, you’ll have the money in your hands, for any business use, in as few as 2 business days¹.

Get approved for up to $500,000 today1

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