Is purchase order financing a good fit for jewelry, hardgoods & metal finishing?

Yes — purchase order financing is one of the programs we most commonly place for jewelry, hardgoods & metal finishing shops. Manufacturers who have a confirmed purchase order from a creditworthy buyer but need capital to buy materials or pay suppliers.

How fast can a jewelry, hardgoods & metal finishing shop get funded?

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.

Do you charge jewelry, hardgoods & metal finishing manufacturers any fees?

No. We are a business consulting service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.

Do I have to give up equity?

No. Every program we place is non-dilutive. You keep 100% ownership of your shop.

Can a jewelry manufacturer borrow against precious metal inventory?

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.

How does financing work for consigned metal arrangements?

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.

Is PO financing more expensive than a bank line?

It typically costs more than a traditional bank line, but it's often the difference between accepting a large order or turning it down. The profit on the order usually more than covers the cost.

Jewelry finishing workstation with polishing equipment and finished metal pieces

Purchase Order Financing · Jewelry, Hardgoods & Metal Finishing

Purchase Order Financing for Jewelry, Hardgoods & Metal Finishing shops

Say yes to the big PO. We match jewelry, hardgoods & metal finishing manufacturers with the purchase order financing structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.

Start a Quick App Call (844) 623-1234

Why jewelry, hardgoods & metal finishing shops choose purchase order 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.

Purchase Order Financing is one of the most direct ways to close that gap. Get the capital to fulfill large customer orders without straining cash flow.

What jewelry, hardgoods & metal finishing shops get

Take on orders that would otherwise be out of reach
Doesn't require giving up equity
Often pairs with invoice factoring for continuous cash flow

How it works

1You receive a purchase order from a creditworthy customer.
2The PO financing partner pays your suppliers (directly or via letter of credit) so you can produce the order.
3You produce and deliver the goods.
4The customer pays on the invoice; the financing is repaid and you keep the profit.

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 placed into purchase order 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

Quick app for jewelry, hardgoods & metal finishing

Takes about 30 seconds. We'll match you with the right funding partner — no obligation.

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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 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 Finishing

Equipment Financing for Jewelry, Hardgoods & Metal Finishing

Finance new or used machinery, CNC, robotics, and production lines.

Explore Equipment Financing for Jewelry, Hardgoods & Metal Finishing

Purchase Order Financing for other manufacturing niches

Purchase Order Financing for Food & Beverage Manufacturing Purchase Order Financing for Medical Device Manufacturing Purchase Order Financing for Metal Fabrication Purchase Order Financing for Plastics & Injection Molding

Frequently Asked Questions

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.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

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