Jewellery & Watch Shop Business Loans

Get up to £6000 funding within 24-48 hours

Get fast, flexible funding for your jewellery and watch shop with a Merchant Cash Advance. Expand inventory, upgrade equipment, and enhance your store’s experience.

Types of Jewellery & Watch Shop Loans

When looking for funding, understanding the different loan options is key. Here are five tailored loan types for jewellery and watch store owners:

1. Merchant Cash Advance (MCA)

Get upfront funding based on your future card sales. Repay a percentage of daily transactions, making it ideal for seasonal or fluctuating revenue.

2. Equipment Financing

Purchase or lease essential equipment like engravers or security systems with fixed, predictable repayments.

3. Short-Term Loans

Get quick funding for immediate needs like inventory restocking or promotional events.

4. Business Lines of Credi

Access flexible funds to cover unexpected expenses or ongoing operational costs. Pay interest only on what you use.

5. Traditional Loans

Great for long-term investments, store expansions, or large projects, with fixed monthly payments.

What is Merchant Cash Advance?

A Merchant Cash Advance (MCA) offers quick funding based on your future card sales. This solution works well for jewellery and watch shops, especially those with fluctuating or seasonal sales. Repayments are deducted as a percentage of daily card transactions, making it easier to manage cash flow without the stress of fixed monthly payments.

How MCA Works?

A Merchant Cash Advance provides a lump sum upfront, which you repay through a small percentage of your daily card sales. Payments adjust automatically based on how much your business earns—when sales are high, you pay more, and during slower periods, you pay less. No fixed schedules or complex terms.

Benefits of Merchant Cash Advances for Jewellery & Watch Shops

Merchant Cash Advances (MCA) provides Jewellery & Watch Shops with a fast, flexible, and hassle-free funding solution tailored to their unique needs. Whether you’re expanding, upgrading equipment, or managing seasonal cash flow, an MCA offers several advantages:

Flexible Repayments – Aligned with Your Sales

Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.

Compatible with Your Card Machine

No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.

Get Funded in Just 24 Hours

Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.

Unsecured and Stress-Free

MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.

Keep 100% of Cash Transactions

Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.

No Hidden Fees

All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.

Apply Anytime

Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.

How to Apply for a Jewellery & Watch Shops Loan

Check Your Eligibility

Ensure your UK-based business has been trading for at least three months with consistent card sales through your PDQ machine to qualify for the loan.

Required Documents

Prepare recent bank statements showing the last month of activity, four months of card sales reports, and a valid ID like a passport or driving license for a smooth application process.

Apply Online Anytime

Submit your application through the Paymentsave online portal. It’s quick, simple, and available 24/7, allowing you to complete it in just minutes at your convenience.

Quick Approval and Funding

Once your application is submitted, our team reviews it within hours. Upon approval, access funding from £3,000 to £300,000 in just 24 to 48 hours to grow your restaurant effortlessly.

Flexible Funding to Boost Your Jewellery & Watch Shop

The UK jewellery and watch market is thriving, with growing demand for luxury items, designer collections, and bespoke pieces. In this competitive environment, staying ahead means constantly investing in inventory, marketing, and customer experience. A Merchant Cash Advance offers the flexibility to meet these demands without the burden of fixed monthly repayments. Whether you’re expanding your inventory, upgrading your store, or running marketing campaigns, an MCA allows you to access the funds you need quickly and easily.

FAQs About
Jewellery & Watch Shop Business Loans

How much can I borrow with a Merchant Cash Advance?

You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.

What are the repayment terms for an MCA?

Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.

What can I use the funding for?

Use the funding for stock, equipment, marketing, renovations, or any business needs.

Can I apply if my business is new?

Yes! As long as your business has been trading for at least 3 months and processes regular card payments, you’re eligible.

What fees are involved?

The cost of an MCA is based on a transparent factor rate. There are no hidden charges or confusing terms like APR. Everything is clearly explained upfront, so you’ll know exactly what to expect.