Business loans for jewellers and luxury retailers

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. A jeweller carries a large share of its value in stock and turns it over in a few concentrated peaks, a profile a generalist bank desk often reads conservatively because it sees the fixtures rather than the inventory and the buy-up calendar. Our role is to know the lenders that fund high-value retail on the strength of the stock and the trading, so you are not approaching each one yourself. We work across a panel of more than sixty bank and non-bank lenders, and we stay on as you expand the range, refit or buy the next store. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading strength and can be arranged in days, which suits a stock buy-up or a limit of $100K to $500K. Secured facilities, backed by property or business assets, support larger amounts and price better, and make sense once you are funding an acquisition or a full store fit-out. Most established jewellers end up with a mix, and we shape which sits where.

It depends on your trading, your structure and the purpose, but lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger operators. A jeweller carries real value in stock, so lenders read the inventory and the trading pattern together rather than the fixtures alone. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you commit.

Yes, and this is one of the most common reasons jewellers come to us. Buying up gold, diamonds and watches before engagement season or Christmas means paying suppliers months before the pieces sell, so we size a facility to the buy-up and set repayments to land as the stock sells through the peak. An unsecured line can often be arranged in days where the business is established and the BAS and bank statements are current. Open the limit while you are planning the buy-up rather than when the invoice is already due.

Yes, and the fit-out and equipment are normally the security rather than the premises. Display cabinets, lighting, safes, alarms and a point-of-sale system can all be funded new or used, and a full shopfit can go on one facility. Terms are typically matched to the life of the fit-out, and established retailers can often be assessed on bank statements and BAS rather than full financials. It keeps a large refit off the overdraft you buy stock with.

Yes. Many lenders assess established businesses on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits jewellers whose accounts lag the current run rate. It works best where the trading account shows regular receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes. Acquisition and expansion funding covers the goodwill, the stock on hand and the working capital to trade the new site from day one, because a second store doubles the buy-up before it doubles the takings. Smaller deals can run unsecured on trading strength, while larger ones are commonly backed by property or business assets. We size the facility to the cash flow the new store will generate and place it with a lender that reads retail goodwill and inventory properly.

Yes. A short-term facility can bridge a BAS, PAYG or income tax obligation, or fund an ATO payment plan where the trading supports the repayments. It works best where the business is otherwise strong and the bill is a timing issue rather than a trend. Disclose any existing arrangement early, because several lenders will still proceed when it is in place and being met, subject to serviceability and approval.

Yes, and it is a commercial property deal rather than a working capital one. A retail site is assessed on the property and your trading together, and owner-occupiers can generally borrow a higher proportion than a passive investor would. Owning the premises takes a rising rent out of your cost base and builds an asset alongside the business. Our commercial property team handles these end to end through our jewellery store commercial mortgage service.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan for your jewellery store, we also assist with showroom fit-out finance for jewellers and working capital. On asset finance, that covers store fit-out, display cabinets, safes and point-of-sale finance. On working capital, we arrange business overdrafts, lines of credit and stock funding. We also arrange commercial mortgages if you are buying or refinancing the premises your store trades from.