Bespoke Finance Solutions for Members of The Company of Master Jewellers

BEAR Business Finance are proud to partner with The Company of Master Jewellers. We deliver exceptional outcomes through our bespoke consultative approach, efficient precision matching, and accurate financial modelling. We demonstrate relentless drive and are dedicated to accelerating the financial progression of every member of The Company of Master Jewellers.

We've created this guide to provide an overview of how we can support your business, from funding ambitious growth visions to bridging seasonal cash-flow gaps.

Equipment, Tools & Technology

Access to state-of-the-art equipment, tools and technology can bring significant operational efficiencies but requires initial upfront capital. We structure financing that facilitates your purchase in the most tax-efficient manner. Soft-Asset finance is often the smart choice in this area as it allows you to spread the cost of VAT, benefit from tax deductible OpEx payments and avoid upfront expenditure on depreciating assets. Areas that can be covered include the following:

• Polishing, welding, engraving and laser machines

• Point-of-sale (POS) systems

• Testing equipment to authenticate pieces

• Workshop tools and 3d printing technology

• CAD/CAM design software

Stock & Inventory Finance

We understand that building inventory ahead of peak seasons is crucial and bulk purchasing precious metals or gemstones requires significant capital investment before you see the returns. Securing finance keeps cash-flow healthy as there is no need to tie up large amounts of your capital.

We can source finance to cover not only your upfront stock costs but also the related expenses of additional display cases, insurance increases and advertising activity. Our efficient process means we can source funding to meet tight deadlines.

We offer a comprehensive range of financial solutions suitable for stock and inventory management, from Long-Term and Stock-Secured Business Loans to Short-Term Cash-Flow Loans, Tax Loans and Revolving Credit Facilities. Our consultative approach means our experts source bespoke finance matched to your specific situation.

Stock-secured lending

if your balance sheet is strong due to large amounts of stock being held, our lenders will factor this into their decision making process and lend large amounts against the value of the stock/balance sheet.

Seasonal preparation

Purchasing stock in advance for peak sales seasons around Christmas, Valentine’s, Mother’s Day and weddings.

Precious metal and gemstone purchases

Using finance to cover the high upfront costs to enable bulk buying for better discounts.

Expanding product ranges

Adding new lines or bespoke pieces to your offering to differentiate your business from the competition and increase sales revenue.

Fluctuating commodity prices

Seizing opportunities to buy gold, silver, and platinum when the price is right.

Marketing, Advertising & Events

If you're looking to invest in marketing or events, don't let budget restrictions hold you back. We can arrange funding that opens the door to marketing opportunities and events that will drive your brand growth and boost sales.

• Digital transformation – building or upgrading your website or launching an e-commerce platform.

• Brand awareness – advertising campaigns, social media presence and influencer partnerships

• Professional photography & videography

• Events & tradeshows
  
  

Recruitment & Staff Training

Retaining and recruiting highly skilled staff and ensuring they are trained in the latest industry standards can be vital to the success of your business. Changes to National Insurance Contributions (NICs) have increased labour costs for the majority of businesses. Finance can assist with managing these costs while also enabling the hiring of temporary staff during key seasonal peaks.

• Recruitment – such as sales teams, skilled jewellers, gemologists and watch specialists.

• Training staff – ensuring exceptional standards.

• Seasonal staff – securing temporary staff to support peak periods.

Cash-Flow Management

We offer a range of business loans to smooth cash-flow; both long-term and short-term. Term-Loans offer low rate, affordable solutions, precision matched to your needs whereas Short-Term loans are designed to provide fast financial support when your business needs it most. If you have existing loans, our Consolidation loans can reduce strain on cash-flow by combining borrowing into one affordable payment. Our BEAR Finance experts will look at your specific situation and requirements to source a bespoke solution.

• Bridge seasonal fluctuations – covering operational costs such as rent, staff wages, insurance and business rates during quieter months.

• Unexpected bills – ability to quickly pay unexpected invoices to avoid incurring additional costs.

• VAT & Corporation Tax – BEAR’s Tax Loans provide fast funding to pay on time, spreading the cost and avoiding HMRC penalties.

• Supplier terms - access to capital opens up the ability to pay suppliers upfront without straining your cash-flow while waiting for retail sales to convert.

We'd welcome the opportunity to learn more about your specific opportunities and challenges.

Please call us: 01832 770273