Asset-Based Lending (ABL) · Jewelry, Hardgoods & Metal Finishing
Asset-Based Lending (ABL) for Jewelry, Hardgoods & Metal Finishing shops
Borrow against what you already own. We match jewelry, hardgoods & metal finishing manufacturers with the asset-based lending (abl) structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why jewelry, hardgoods & metal finishing shops choose asset-based lending (abl)
Every casting, plating tank, and polishing wheel in your shop represents cash you've already spent — gold and silver on account or consigned from a refiner, nickel and chrome plating chemistry, cyanide-based gold baths, powder coat and anodizing lines that cost real money to run compliant. Then a retailer, distributor, or OEM customer takes 45 or 60 days to pay for finished goods.
If you run a finishing or plating operation as a jobber for other manufacturers, you're floating chemical and labor costs on other people's parts, sometimes for weeks, before the invoice even goes out. Add in EPA and RCRA wastewater permitting, tank maintenance, and effluent testing, and the margin between what you spend and what you collect gets thin fast.
Asset-Based Lending (ABL) is one of the most direct ways to close that gap. Revolving lines secured by receivables, inventory, and equipment.
What jewelry, hardgoods & metal finishing shops get
- Line scales with your business
- Often more flexible than traditional bank debt
- Rates typically lower than factoring for the right profile
How it works
- 1The lender evaluates the value of your eligible collateral (AR, inventory, equipment).
- 2A borrowing base formula determines your available line.
- 3You draw and repay as needed, with monthly reporting.
Cash-flow realities we see in jewelry, hardgoods & metal finishing
- Precious metal (gold, silver, platinum) tied up in raw inventory, work in process, and consigned stock
- Plating and finishing chemistry costs — nickel, chrome, gold baths, powder coat, anodizing — paid before customer invoicing
- EPA and RCRA wastewater permitting, effluent testing, and hazardous waste disposal compliance costs
- OEM jobbing work where you front chemical and labor cost on customer-owned parts for weeks before billing
- Retail and distributor customers on 45–60 day terms while metal and chemical suppliers want faster payment
Get referred for asset-based lending (abl)
Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.
- ✓ No application, origination, or closing fees
- ✓ No equity given up
- ✓ US-based jewelry, hardgoods & metal finishing shops only
Other programs that fit jewelry, hardgoods & metal finishing
Invoice Factoring for Jewelry, Hardgoods & Metal Finishing
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for Jewelry, Hardgoods & Metal FinishingEquipment Financing for Jewelry, Hardgoods & Metal Finishing
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Jewelry, Hardgoods & Metal FinishingAsset-Based Lending (ABL) for other manufacturing niches
Frequently Asked Questions
Yes — asset-based lending (abl) is one of the programs we most commonly place for jewelry, hardgoods & metal finishing shops. Established manufacturers with meaningful receivables, inventory, and/or equipment who want a flexible revolving line. Full mechanics: the Asset-Based Lending (ABL) program page. Sector overview: Jewelry, Hardgoods & Metal Finishing.
It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. Asset-based lending facilities commonly advance against gold, silver, and platinum inventory alongside finished goods and receivables, with advance rates tied to current metal value and liquidity rather than book cost.
Consigned metal itself typically isn't collateral since you don't own it outright, but the finished inventory and receivables generated from consigned production can still support an ABL or factoring facility.
ABL is a revolving line you draw against; factoring is the outright sale of specific invoices. ABL usually has lower cost of capital but stricter eligibility and monthly reporting requirements.
Ready to keep production moving?
Start with a quick app or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
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