Invoice Factoring · Jewelry, Hardgoods & Metal Finishing
Invoice Factoring for Jewelry, Hardgoods & Metal Finishing shops
Get paid now for work you've already delivered. We match jewelry, hardgoods & metal finishing manufacturers with the invoice factoring 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 invoice factoring
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.
Invoice Factoring is one of the most direct ways to close that gap. Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
What jewelry, hardgoods & metal finishing shops get
- Cash within days instead of 30–90 days
- Line grows with your sales—no fixed cap
- Underwriting focuses on your customers' credit, not just yours
- Frees up working capital for materials, payroll, and new orders
How it works
- 1You invoice your customer as usual after delivery.
- 2The factoring partner advances a large percentage of that invoice (often 80–95%) within days.
- 3Your customer pays the factor directly on their normal terms.
- 4You receive the remaining balance, less a small factoring fee.
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 invoice factoring
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 FinishingEquipment Financing for Jewelry, Hardgoods & Metal Finishing
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Jewelry, Hardgoods & Metal FinishingInvoice Factoring for other manufacturing niches
Frequently Asked Questions
Yes — invoice factoring is one of the programs we most commonly place for jewelry, hardgoods & metal finishing shops. Manufacturers with creditworthy commercial or government customers that pay on net-30, net-60, or net-90 terms. Full mechanics: the Invoice Factoring 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.
Not usually. Factoring underwriting weighs the credit of the customers who owe you money much more heavily than your personal credit. Manufacturers with challenged credit are often still approved.
- Underwriting focuses on your customers' credit and payment history, not yours.
- Challenged personal credit, thin files, and past bankruptcies can still qualify.
- You need B2B or B2G invoices on net-15 to net-90 terms.
- Baseline volume is about $25K or more in monthly revenue.
- Not sure your file clears it? Score your readiness first.
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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