Key Takeaways
- Jewelry business sales revenue drives Bankable approval — no citizenship required
- Fund inventory, studio equipment, and working capital for OPT jewelry founders
- Fine jewelry, fashion jewelry, and accessories brands all qualify
- 48-hour decisions for jewelry businesses with $8K+ monthly revenue
Jewelry design, gemology, and accessories design graduates on F-1 OPT are launching brands that combine artistic design with global gemstone and metal sourcing advantages. International students with direct connections to diamond markets in India, gold suppliers in the Middle East, and silver artisans in Latin America bring cost and quality advantages to the $50B US jewelry market.
Jewelry Business Capital Uses
- Precious metal and gemstone inventory financing
- Jewelry studio equipment: CAD software, laser cutters, and casting equipment
- E-commerce store and product photography
- Trade show participation: JCK Las Vegas, NY NOW, and regional jewelry shows
- Wholesale consignment and net-30 payment bridge
Frequently Asked Questions
Yes. Since March 2026, SBA loans require 100% US citizen or national ownership. Bankable is non-SBA — F-1 OPT founders qualify based entirely on business revenue.
No. Bankable funds US-registered business entities based on revenue. Immigration status is not evaluated.
Your business entity continues operating and servicing funding. The loan is with the business, not the individual.
Yes. Jewelry retail and design businesses have no citizenship requirement for ownership.
$8,000+ in monthly sales with 4+ months of operating history.
Precious metal and certified gemstone inventory has documented value and can serve as partial collateral for Bankable inventory financing products.
Yes. Brick-and-mortar jewelry retailers, online jewelry brands, and custom design studios all qualify for Bankable funding.
Custom jewelry design studios with documented client orders and revenue history qualify. The high average transaction value in custom design often creates strong revenue qualification even with fewer monthly transactions.