Equipment Financing · Jewelry, Hardgoods & Metal Finishing
Equipment Financing for Jewelry, Hardgoods & Metal Finishing shops
Add capacity without draining cash. We match jewelry, hardgoods & metal finishing manufacturers with the equipment financing 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 equipment financing
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.
Equipment Financing is one of the most direct ways to close that gap. Finance new or used machinery, CNC, robotics, and production lines.
What jewelry, hardgoods & metal finishing shops get
- Preserve working capital for materials and payroll
- Predictable monthly payments
- Potential Section 179 / bonus depreciation benefits (ask your CPA)
- Terms typically 24–72 months
How it works
- 1You identify the equipment (new or used, vendor or private-party).
- 2We refer your inquiry to an equipment lender or lessor that fits your industry and profile.
- 3You get approved, sign, and the vendor is paid directly.
- 4You make fixed payments and the equipment goes to work.
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 equipment financing
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
Asset-Based Lending (ABL) for Jewelry, Hardgoods & Metal Finishing
Revolving lines secured by receivables, inventory, and equipment.
Explore Asset-Based Lending (ABL) for Jewelry, Hardgoods & Metal FinishingInvoice 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 other manufacturing niches
Frequently Asked Questions
Yes — equipment financing is one of the programs we most commonly place for jewelry, hardgoods & metal finishing shops. Manufacturers buying or replacing machinery, tooling, automation, or vehicles used in production. Full mechanics: the Equipment Financing 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.
Yes. Many partners finance used equipment, including private-party purchases, though rates and terms depend on the age and condition of the asset.
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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