

INVENTORY LOANS
We offer short term loans to traders and retailers in the watch and jewellery industries. Loans available up to £2 million with competitive interest rates and terms from 3 to 12 months.
AN ALTERNATIVE FUNDING SOLUTION
Traditional banks have reduced their exposure to the watch trade in recent years, which has impacted dealers ability to support the growth of their operations. We are a specialist lending company offering tailored financing solutions for businesses in the watch industry. Our loan allows dealers to release the value in their existing luxury asset inventory.
KEY FEATURES
- Tailored loan agreements to fit your precise requirements
- Competitive interest rates
- Alternative solution to selling inventory at reduced prices to raise funds
- Continue to market the inventory while it is under loan
- No credit checks or impact on affordability
- Fast funding
How Our Inventory Loan Works
3 simple steps to securing working capital for your business.
1. ENQUIRY
Send an enquiry to our Business Development team by calling us on 0800 038 5974. You can also email us or complete our enquiry form. Our team aim to respond to enquiries within 1 hour and aim to provide an indicative offer on the same day.
2. APPRAISAL
You will be contacted by your allocated account manager to discuss your loan requirements and arrange an appraisal with our specialists. We offer appraisal appointments at our centre in Central London. We also offer a home visit or alternative location appraisal service.
3. COMPLETION
Your allocated account manager will work with you to structure a tailored loan agreement. Once this has been finalised and signed, the funds are transferred to your bank account. Once you redeem the loan, your luxury assets are returned to you.
FRequently asked questions
Your questions answered.
Frequently asked questions
Your questions answered.
Who is Suros Capital?
Why do watch dealers require funding?
There are many different reasons why dealers use our loan to overcome short-term liquidity issues. Usually, the funds are needed for working capital purposes such as:
- Acquiring new inventory
- Supporting a new business opportunity
- Paying a business tax bill
- Paying suppliers or staff
- Paying for marketing activities
Why do dealers use you rather than a bank?
Many dealers, particularly those with short trading history, find it challenging to access capital through a bank and rely on self-financing their business. As a result, some dealers with liquidity challenges resort to selling their inventory at reduced prices to raise money. They are not aware they can release the value in their stock to secure funding for their business. We offer a bespoke financial solution to help dealers fill this void.
How quickly can you provide funding?
We can provide funding in 24 to 72 hours as the loan is secured against the value of the inventory the dealer wants to use as security for the loan. This allows us to provide funding at unrivalled speed, whereas traditional financing routes are usually much slower.
What happens if I sell some of my inventory during the loan?
If you sell some of your inventory during the loan, you can get your watches back straight away by either swapping in watches of a similar value or by redeeming the loan in full. We can then prepare a new agreement for your other inventory.
How do you ensure inventory is safe and secure?
Watches are stored in our highly secure vaults where they are routinely checked and examined throughout the duration of the loan.
Who is Suros Capital?
Why do watch dealers require funding?
There are many different reasons why dealers use our loan to overcome short-term liquidity issues. Usually, the funds are needed for working capital purposes such as:
- Acquiring new inventory
- Supporting a new business opportunity
- Paying a business tax bill
- Paying suppliers or staff
- Paying for marketing activities
Why do dealers use you rather than a bank?
Many dealers, particularly those with short trading history, find it challenging to access capital through a bank and rely on self-financing their business. As a result, some dealers with liquidity challenges resort to selling their inventory at reduced prices to raise money. They are not aware they can release the value in their stock to secure funding for their business. We offer a bespoke financial solution to help dealers fill this void.
How quickly can you provide funding?
We can provide funding in 24 to 72 hours as the loan is secured against the value of the inventory the dealer wants to use as security for the loan. This allows us to provide funding at unrivalled speed, whereas traditional financing routes are usually much slower.
What happens if I sell some of my inventory during the loan?
If you sell some of your inventory during the loan, you can get your watches back straight away by either swapping in watches of a similar value or by redeeming the loan in full. We can then prepare a new agreement for your other inventory.
How do you ensure inventory is safe and secure?
Watches are stored in our highly secure vaults where they are routinely checked and examined throughout the duration of the loan.
CASE STUDIES
Examples of how we have supported dealers.
Aston Martin Used to Solve Liquidity Challenge
Our bridge short-term loan helped this client keep their vintage Aston Martin DB6 car.
Fine Wine Used to Fund a Business Opportunity
Our bridge loan allowed this entrepreneur to purchase a new business.
Watch Collection Used to Cover a SME Tax Bill
Our bridge loan helped this client pay his tax bill on time and avoid severe penalties.
We Helped This Collector Acquire Antiques at Auction
Our auction acquisition loan funded this luxury asset purchase while waiting on funds from another sale.
Financing an Art Gallery Owner’s Stock Purchase
The client was keen to buy new works and needed to move quickly to secure them, required a short term loan to make the purchase.
Jewellery Used to Complete Property Transaction
Our bridge loan helped this client complete the purchase of a new property after the lender reduced the original mortgage amount.
CONTACT US
Our Business Development team is available to help with your enquiries.

© 2025 Suros Capital – all rights reserved. Suros Capital is a trading name of Hopkins & Jones Limited who are authorised and regulated by the Financial Conduct Authority. Firm reference number 731198. www.suroscapital.co.uk is a site operated by Hopkins & Jones Limited, registered in England under company number 433606. Registered office: 127 Victoria Street, London SW1E 6RD. VAT number: 238 8280 37.