Key Takeaways
- E-2 jewelry business owners qualify for Bankable funding based on retail and wholesale sales revenue
- Inventory financing, trade show expansion, and second location capital are all eligible uses
- Indian diamond dealers, Korean fashion jewelry wholesalers, and Italian luxury goods importers are common E-2 investors
- Jewelry inventory is high-value but traditionally difficult to finance — Bankable evaluates revenue instead
- Funding from $100K to $5M with 48-hour preliminary decisions
The jewelry and accessories industry in the United States is deeply connected to immigrant and E-2 investment. The diamond and precious stone trade in New York’s Diamond District has long been dominated by Israeli investors, many of whom use E-2 visas to operate their US trading operations. Indian diamond dealers bring rough stones from the Surat cutting industry and sell finished jewelry to American retailers. Korean fashion jewelry wholesalers in the LA Fashion District and New York supply boutiques nationwide. Italian and French luxury goods companies use E-2 investments to establish US distribution and retail arms for high-end accessories.
The jewelry business faces a specific lending challenge: the inventory is high-value but jewelry lenders require professional appraisals, specialized insurance, and physical collateral control that makes traditional lending cumbersome. Bankable bypasses this entirely by underwriting your sales revenue — your actual cash register receipts, wholesale invoices, and credit card processing history — rather than attempting to assess your inventory’s fluctuating market value.
Jewelry Business Capital Uses
- Inventory expansion: Purchasing additional high-value inventory before seasonal peaks (Christmas, Valentine’s Day, Mother’s Day)
- Trade show presence: JCK Las Vegas, Tucson gem shows, and buyer’s market participation
- Second retail location: Opening a second store in a new market based on existing store revenue
- Custom design studio: CAD software, 3D printing equipment, and bench tools for custom work
- E-commerce buildout: Photography, website, and digital marketing for online jewelry sales
Inventory Financing
Fund pre-season inventory purchases based on historical sales revenue, not appraisal values.
Apply Now →Second Location Capital
Expand your jewelry business with a second location funded by your existing revenue.
Learn More →Frequently Asked Questions
Yes. E-2 jewelry and accessories business owners with documented retail and wholesale revenue qualify for Bankable funding. No green card required.
Bankable evaluates your sales revenue rather than your inventory appraisal. This simplifies the underwriting process significantly compared to inventory-backed jewelry lending.
Retail jewelry stores, wholesale jewelry companies, jewelry manufacturers, diamond dealers, accessory importers, and custom jewelry studios all qualify.
Yes. Pre-season inventory financing for Christmas, Valentine’s Day, and Mother’s Day is a core use case for jewelry business clients.
We accept POS exports, credit card processing statements, wholesale invoice records, and bank deposits. Both retail and wholesale revenue are considered.
Yes. Diamond trading and wholesale operations with documented US sales qualify based on revenue history.
Most Bankable jewelry clients have $400K+ in annual sales revenue. High-margin businesses with strong seasonal peaks may qualify at lower annual levels.
Yes. Custom jewelry design studios with documented commission revenue qualify on the same basis as retail jewelers.