Key Takeaways
- Jewelry businesses with documented retail or wholesale revenue qualify for Bankable funding
- High inventory value relative to business size makes jewelry businesses strong collateral candidates
- Both fine jewelry (gold, diamonds) and fashion accessories businesses eligible
- SBA closed to L-1 holders — Bankable funds jewelry businesses on revenue
- Decisions in 48 hours, up to $2M
Jewelry retail and wholesale is a high-margin, relationship-driven business with a unique capital characteristic: the inventory is the asset. A jewelry retailer with $800K in annual sales carries $300K-$500K in inventory at any time — gold, gemstones, finished pieces — that represents both working capital requirement and collateral. L-1 holders in the jewelry industry often come from diamond trading, gemological assessment, or luxury brand management backgrounds in markets like India, Israel, or the Netherlands, where deep relationships with producers and dealers give them structural advantages in product sourcing.
These businesses need two types of capital: inventory lines to maintain sufficient stock depth across categories, and working capital to cover the operational expenses while consignment accounts age. Bankable provides both, based on your documented sales revenue and inventory profile.
Jewelry Business Capital for L-1 Holders
- Inventory lines of credit: Revolving credit against your jewelry inventory for purchasing stones, gold, and finished pieces
- Store buildout and showcases: Custom display cases, security systems, and jewelry store interior design — $40K-$150K for a boutique location
- Trade show participation: JCK Las Vegas, Couture, and regional gem shows require booth deposits and sample inventory
- E-commerce platform for fine jewelry: Photography, website development, and digital marketing for a DTC fine jewelry brand
- Insurance for high-value inventory: Fine jewelry insurance premiums are significant — financing the annual premium preserves working capital
Check your Bankability Score or call (786) 443-5511.
Frequently Asked Questions
Yes. Jewelry retailers, wholesalers, and designers with a US-registered business, EIN, SSN, and at least 6 months of documented revenue qualify for Bankable funding. No green card required.
Yes. Appraised fine jewelry inventory — gold, diamonds, colored stones, and finished pieces with current market value documentation — qualifies as collateral for inventory-based financing.
Yes. Diamond and colored stone wholesalers with documented B2B sales qualify for inventory financing. Memo (consignment) inventory is more complex to qualify than outright purchased inventory.
Yes. A jewelry brand launching DTC sales requires photography ($5K-$25K for a fine jewelry catalog), website development, and initial inventory. We fund these costs against your existing revenue or inventory value.
Six months of bank statements, inventory appraisals or purchase invoices for current inventory, EIN, SSN, and business registration. High-value inventory may require a GIA or independent appraisal.
Consignment creates delayed revenue recognition. We evaluate net collected revenue from completed sales rather than consignment shipments. Revolving buy-sell inventory models are more straightforward for qualification.
Yes. Annual jewelry insurance premium financing — splitting the annual premium into monthly payments — is a common working capital use for high-inventory businesses.
Fine jewelry (precious metals, gemstones) with higher per-piece values typically qualifies for inventory-backed financing. Fashion accessories (costume jewelry, handbags, sunglasses) qualify on retail revenue. Both Bankable funds.