Gems & Jewellery
Jewellery businesses where inventory is the balance sheet and formalisation unlocks cheaper capital.
In gems and jewellery, inventory is not a line on the balance sheet — it largely is the balance sheet. Capital is locked in stock, valuation moves with metal prices, and the traditional financing routes are expensive relative to what a formalised business could access.
Hallmarking, GST discipline, and formal accounting have shifted the sector, and the units that have adapted can now borrow against inventory at rates that were previously unavailable to them. The ones that have not are financing the same stock at a permanent premium.
We formalise the financial base, structure inventory-backed facilities, and put in the controls a bank or an institutional investor requires before lending against stock.
How we work in Gems & Jewellery
What the engagement usually looks like
Inventory-backed capital
Structure facilities against stock and receivables to replace expensive traditional financing.
Formalisation and controls
Accounting, GST, and inventory controls to the standard a bank underwrites rather than declines.
Valuation and price exposure
Model metal-price exposure so margin is a managed position rather than an outcome.
Capabilities
Where this work sits in the studio
- Debt & Blended FinanceWorking capital, venture debt and blended structures for businesses that should not be raising equity.Read more
- ControllershipThe controls, reporting structures and governance systems that make a company's numbers trustworthy.Read more
- Strategy ConsultingPositioning, functional alignment and the operating discipline that turns a plan into traction, for founders and boards past the validation stage.Read more
Talk to someone who knows the sector
Tell us where the business actually is and we will tell you what we would do first. No deck required.