Retailer Opportunities

Our capital. Your profits.

Loan Services for Retailers

Obtain a Business Loan

Monthly interest rates as low as 3%

Think outside your bank! We know how frustrating it can be for a retail jeweler to obtain traditional financing from a bank. We offer immediate liquidity for cash flow during slow times, cash to finance a new line acquisition or to pay down traditional debt. Jewelers simply pledge current inventory as collateral and it is kept in our secure vaults. Once the loan has been repaid in full, the jewelry is immediately returned to the jeweler. We offer asset-based loans secured by loose diamonds, mounted bridal, designer lines, diamond fashion, signed pieces, gold and silver bullion. We are happy to make loans as small as several thousand dollars secured by one diamond or in excess of one million dollars secured by a substantial inventory.

How it works:

  1. We loan up to 70% of the liquid value against inventory you pledge for safe-keeping in our state-of-the-art vaults.
  2. Low monthly payment is all that's required to keep the loan in good standing.
  3. Flexibility to pay off particular inventory items at any time.
  4. Responsive inventory access, have the ability to work/sell your inventory during the loan.
  5. 48 hour funding available for most loans.
  6. Guaranteed approval since your loan is solely determined by the liquid value of your inventory.

Inventory Accepted:

  • Loose diamonds ½ carat and larger
  • High quality and sellable diamond jewelry of all types
  • Precious metals
  • High quality and sellable semi mounts
  • Sought after designer and branded pieces
  • Rolex, Cartier, Patek Philippe, Breitling & Panerai watches.

Loan Policies:

  • Pledged collateral must be free of title, liens, and encumbrances and owned solely by the Pledgor.
  • Collateral is kept fully insured at dealers cost in our alarm protected, fire-proof vaults during the loan.
  • Client is responsible for all shipping and handling, wire and administrative expenses.
  • Minimum monthly payments will be secured and automatically processed via client debit/credit card.
  • Once items are paid off, they are returned via insured overnight shipping.

Industry Leading Rates:

  • Precious metal backed loans as low as 2.75% per month
  • Loans $100,000 and greater at 3.5% per month
  • Loans $50,000 to $99,999 at 4% per month
  • Loans $10,000 to $49,999 at 5% per month
  • Loans under $10,000 at 6.5% per month
*All rates subject to LTV ratio and loan structure*
Generous reoccurring commissions for jewelers who refer their customers for our loan services.

Become Your Customer's Banker

You will receive a monthly check for 25-35%

Earn significant residual income by partnering with Diamond Banc to offer your customers a discrete, confidential, asset-based loan using their jewelry items as the sole collateral.

Step 1 - Contact us with the proposed collateral description and we will provide you with an initial loan offer to present to your customer.

Step 2 - Diamond Banc will contact your customer directly to work out all logistics and the repayment structure of their loan.

Step 3 - We will send a prepaid, fully insured shipping label to your store or directly to the client so their items can be sent in for a final evaluation.

Step 4 - Once the item is verified, funds will be issued to your client and you will receive a monthly check for 25–35% (depending on the loan specifics) of the interest fees collected until the loan is re-paid. Our loans carry an average term of 6 – 12 months.

Transform your business today!
Request a consultation
  1. Your contact information will be used exclusively for correspondence regarding your request. We will never share or sell your personal data.

    Secure Site 256-bit Secure SSL Encryption

Your submission has been received and we will be in touch soon.

or call

Loan Details & Rates

Diamond Banc offers the best jewelry-backed loans in the nation. Our plans are flexible with a minimum repayment period of 61 days and a maximum repayment period of 5 years. Our interest rate is 3% per month or 36% APR when clients borrow 30%-50% of the liquid wholesale value of their pledged collateral. For example if you have an asset with a liquid wholesale value of $25,000 and borrow $10,000 the monthly interest rate would be 3%, or $300 a month. If you borrowed the money for 3 months, your total pay back amount would be $10,900. Loans greater than $100,000 can qualify for even lower rates. If you have any more questions please review our FAQ page or give us a call.

Jewelers Mutual Better Business Bureau Brinks Gemological Institute Of America Jewelers Board Of Trade
Tracking Pix