Retail & Shops · lender intelligence

Financing a jewelry stores acquisition

State:

The SBA 7(a) lenders funding the most jewelry stores acquisitions, ranked from public loan records — typical deal about $464K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance jewelry stores

$350K

Typical loan

range $225K–$864K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

6.17%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in jewelry stores

Ranked by funded jewelry stores acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.868 loans · $362M · Salt Lake City, UTFull record →
2.328 loans · $134M · Cleveland, OHFull record →
3.2 loans · $0M · Pine Bluff, ARFull record →
4.1 loans · $1M · Lincoln, NEFull record →
5.1 loans · $5M · Arnett, OKFull record →
6.32 loans · $54M · Tupelo, MSFull record →
7.31 loans · $11M · Green Bay, WIFull record →
8.9 loans · $10M · Warren, PAFull record →

13+ funded jewelry stores deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Abstract Image LLC in Boise, ID — $207K (2023) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$155K (75%)
Approval → funding
7 days
Approved
3/28/2023
First disbursed
4/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$230K
Est. down payment (10%)
$23K
Est. cash at closing
$31K
Monthly payment
$2,793
Annual debt service
$34K
Cash flow needed (1.25×)
$42K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Northwest Bank · Lender record →
Your business? Claim this record · Request removal
AE CUSTOM JEWELRY INC in Covington, WA — $350K (2022) · purchase · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.42% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
14 days
Approved
8/29/2022
First disbursed
9/12/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,960
Annual debt service
$48K
Cash flow needed (1.25×)
$59K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Kozelka & Co LLC in Owatonna, MN — $100K (2022) · purchase · Profinium, Inc.
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
2 days
Approved
12/28/2021
First disbursed
12/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,024
Annual debt service
$12K
Cash flow needed (1.25×)
$15K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Profinium, Inc.
Your business? Claim this record · Request removal
Erwin's Jewelers Co. in Bellevue, NE — $431K (2021) · purchase · Westside State Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$216K (50%)
Approval → funding
42 days
Approved
6/10/2021
First disbursed
7/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$479K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$4,467
Annual debt service
$54K
Cash flow needed (1.25×)
$67K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Westside State Bank
Your business? Claim this record · Request removal
MUCKLOW'S FINE JEWELRY in Peachtree City, GA — $300K (2021) · purchase · Renasant Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$270K (90%)
Approval → funding
49 days
Approved
1/6/2021
First disbursed
2/24/2021
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,331
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
Precious Metal Castings, Inc. in Neenah, WI — $299K (2021) · purchase · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
4.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$269K (90%)
Approval → funding
28 days
Approved
9/3/2021
First disbursed
10/1/2021
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$332K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,097
Annual debt service
$37K
Cash flow needed (1.25×)
$46K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
Angel Love Designs LLC in Dubuque, IA — $166K (2021) · purchase · Premier Bank
Program
7a General
Rate at approval
4.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$149K (90%)
Approval → funding
224 days
Approved
7/23/2021
First disbursed
3/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$184K
Est. down payment (10%)
$18K
Est. cash at closing
$25K
Monthly payment
$1,720
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Premier Bank
Your business? Claim this record · Request removal
New Sparkle, Inc. in Valdosta, GA — $2.3M (2020) · purchase · Farmers and Merchants Bank
Program
7a General
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
46 days
Approved
2/14/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$2.6M
Est. down payment (10%)
$259K
Est. cash at closing
$358K
Monthly payment
$26,217
Annual debt service
$315K
Cash flow needed (1.25×)
$393K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Farmers and Merchants Bank · Lender record →
Your business? Claim this record · Request removal
ZTL INVESTMENTS in Jacksonville, FL — $2.1M (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approved
10/3/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
47
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$233K
Est. cash at closing
$320K
Monthly payment
$24,299
Annual debt service
$292K
Cash flow needed (1.25×)
$364K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
ZTL 1700 DAYTONA LLC in Jacksonville, FL — $2.1M (2020) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
10 days
Approved
10/21/2019
First disbursed
10/31/2019
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
47
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$233K
Est. cash at closing
$320K
Monthly payment
$24,299
Annual debt service
$292K
Cash flow needed (1.25×)
$364K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Blam-O LLC in Noblesville, IN — $864K (2020) · purchase · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$648K (75%)
Approval → funding
24 days
Approved
8/7/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$959K
Est. down payment (10%)
$96K
Est. cash at closing
$132K
Monthly payment
$7,056
Annual debt service
$85K
Cash flow needed (1.25×)
$106K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
Crisafi holdings LLC. in Miramar Beach, FL — $455K (2020) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$341K (75%)
Approved
11/11/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$506K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,224
Annual debt service
$63K
Cash flow needed (1.25×)
$78K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
CORNERSTONE JEWELRY AND REPAIR in Springfield, MO — $225K (2020) · purchase · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
77 days
Approved
10/15/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Jewelry Stores
If you were the buyer here
Est. deal size
$250K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$2,612
Annual debt service
$31K
Cash flow needed (1.25×)
$39K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Simmons Bank · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to jewelry stores businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a jewelry stores acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Celtic Bank Corporation funds the most. CapBench is not a lender.

$464K typical loan
12 lenders fund the industry
28 days typical to fund

Buyers researching a jewelry stores deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/jewelry-stores
API:: https://www.capbench.com/api/public/lenders?industry=jewelry-stores
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.