SBA Pre-Qualified Luxury Jewelry Boutique | 18 Yrs | Jackson, MS

Description

Luxury fine jewelry boutique for sale with an operating history dating back to 2008. The business has grown through relationship-based selling, repeat clients and referrals, with a focus on designer jewelry, custom work and high-value diamonds and gemstones.

Financial performance

• 2024 gross sales: $1,871,657
• 2025 gross sales: $3,866,527
• 2024 owner profit: $520,297
• 2025 owner profit: $1,312,595
• Reported year-over-year sales growth: approximately 106.6%
• Reported owner-profit growth: approximately 152.3%

The listing states that the business is partially SBA pre-qualified. Qualified buyers may be able to complete an acquisition with approximately 10% equity and finance the remaining eligible amount over a 10-year amortization period. Final terms remain subject to lender and SBA approval.

Retail location

• Approximately 1,700 sq. ft.
• Located in a high-end shopping center
• Surrounded by recognized retail brands
• Lease secured through 2029

Buyers should review base rent, CAM charges, renewal provisions, assignment rights and any options extending beyond the current lease term.

Inventory model

The company does not rely entirely on purchased inventory. It uses a mix of owned merchandise, vendor partnerships, deposits and consignment relationships to provide customers with access to a larger selection of jewelry.

This structure can reduce the amount of capital tied up in inventory, but buyers should carefully separate owned merchandise from consigned or vendor-controlled pieces when valuing the business.

Private-label collection

The company's own jewelry line represents approximately 20% to 25% of total sales. Pieces are produced through outside partners and sold under the company's branding and packaging.

Custom jewelry

Custom design is another major part of the operation. Diamonds and gemstones are sourced through a global supplier network for client-specific projects.

The seller reports that many custom orders fall in the mid to high five-figure range, with some transactions exceeding $100,000.

Customers

The typical client is between 35 and 65 years old and includes professionals, entrepreneurs and families with discretionary income. Much of the business is generated through repeat purchases, personal relationships and referrals rather than high-volume advertising.

Owner involvement and staff

The seller reports approximately 20 hours of owner involvement per week. Daily activity is supported by experienced store employees, additional part-time staff during busy periods and a brand manager responsible for social media and customer engagement.

A buyer should review how much revenue depends directly on the owner's personal client relationships, particularly for larger custom and gemstone transactions.

Digital sales

Online transactions currently account for less than 0.1% of total revenue, according to the seller.

• Develop a structured eCommerce operation
• Add online appointment scheduling
• Increase digital customer acquisition
• Expand social media sales activity
• Offer remote consultations for custom projects
• Continue developing the private-label collection

These represent possible expansion channels rather than guaranteed increases in revenue.

Transaction

The seller is willing to assist during the ownership transition and may consider seller financing, an earn-out or another negotiated structure.

Buyer review

Buyers should verify tax returns, owner-profit adjustments, sales concentration, inventory valuation, consignment agreements, vendor deposits, staff compensation and lease obligations.

Due diligence should also identify customer-owned jewelry, repair items and consigned merchandise held at closing, along with trademarks, proprietary designs, customer records, websites, social accounts and other intellectual property included in the transaction.