Business finance
Business Loans For Jewellers
Working capital, equipment, and growth finance for jewellers — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for jewellers and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Finance for premium stock, fit-out, and the experience your brand is built on.
- Working capital that respects seasonal and high-value inventory cycles.
- One application across lenders comfortable with premium retail.
How it works
Simple next steps
- 1Tell us what you need to fund and your trading history.
- 2We match it to lenders that understand high-value retail.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Jewellers
Jewellery is one of retail's most capital-hungry trades, and most of that money sits in stock. A strong showroom of diamonds, gold, watches and fine pieces, plus precious metal and workshop equipment, can run past the ~$90,000 mark, and that stock turns over only a handful of times a year. A working-capital line lets you build the range clients expect ahead of the Christmas and wedding peaks, fund a bespoke commission before the balance is paid, and ride the quiet months in between.
Finance can also fund a showroom fit-out, security upgrade or new workshop equipment that lifts your custom and repair capacity without draining the cash tied up in stock.
Common questions
Jewellers — business loan questions
Can I finance high-value seasonal stock?
Often yes. A working-capital facility lets you build stock ahead of the Christmas and wedding peaks and repay as it sells through. Cockatoo helps match you to a lender that understands high-value, seasonal luxury retail rather than treating you like a generic shop.
Can finance help with a big custom commission?
Yes — a working-capital line can cover the stones, metal and casting you front before a bespoke client pays the balance. That lets you take on larger commissions without tying up the rest of the business.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.