Highly Profitable Bridal & Luxury Jewelry Store – $1M+ SDE

Gross Revenue: $3,000,000

EBITDA: $1,400,000

Total Purchase Price: $5,400,000

Cash Flow: $1,400,000

Establish: 2004

Business Overview:
This highly profitable luxury jewelry retail business has been serving customers in the greater Charlotte, North Carolina metropolitan area since 2004. Located in Cabarrus County within a major regional retail destination, the business has built a strong reputation for quality jewelry, competitive pricing, and personalized service.

The company generates over $1,400,000 in annual Seller’s Discretionary Earnings and offers buyers a rare opportunity to acquire a stable, high-cash-flow retail business with substantial hard asset support.

Based on typical SBA financing structures, a qualified buyer could realize approximately $649,000 in annual income after debt service, making this an exceptionally attractive owner-operator opportunity.

The purchase price includes approximately $1,950,000 in inventory at current wholesale values, providing meaningful collateral and reducing acquisition risk.

The business specializes in diamond jewelry, bridal and engagement rings, gold jewelry, and custom pieces, serving a loyal customer base built through repeat business, referrals, and long-standing community relationships.

While the company has historically relied primarily on location traffic and repeat clientele, additional growth opportunities exist through expanded digital marketing efforts, including Instagram and Facebook advertising campaigns targeting bridal and engagement customers.

This opportunity is ideal for a hands-on owner-operator, preferably an experienced retail operator, luxury jewelry sales experience is a HUGE plus, who can continue the business’s proven operational model while leveraging modern digital marketing strategies for additional growth.

Highlights:
* $1.4M+ SDE Annually for past 3 Years
* Operating since 2004 - 21 Years in Business
* Located in a major retail destination within greater Charlotte, NC Metro Area
* Strong repeat and referral-based customer base
* Competitive price advantage versus national jewelry chains
* Lean Operational structure with strong owner oversight
* Proven high-ticket sales model
* Significant digital marketing growth opportunity

SBA Financing Illustration (Estimated)
Qualified buyers may be able to finance the purchase using SBA lending, see Purchase Example below.

Purchase Example:
9.25% Interest | 10% Down | 10-Year Amortization

Purchase Price $5,400,000

Down Payment: $557,500
SBA Loan: $4,842,000
SBA Guarantee Fee: $145,375
Closing Costs: $25,000

Total SBA Loan: $5,012,875

Debt Service & Cash Flow:

Monthly SBA Debt Service: $64,181.20
Annual SBA Debt Service: $770,174.44
Existing Cash Flow (SDE): $1,400,000
Owner Benefit After Debt Service $649,825.56

Investor Returns:
* Cash-on-Cash Return: 121.94%
(Financing illustration for example purposes only. Actual loan terms depend on lender approval and buyer qualifications.)

Ideal Buyer
This opportunity is best suited for:
• Experienced retail operator
• Luxury jewelry sales experience preferred
• Strong high-ticket sales ability
• Buyer comfortable managing high-value inventory

Please demonstrate relevant retail experience

Next Steps – NDA & Proof of Funds Required:
You may complete the NDA now using the link below. Please provide the first page of your bank or brokerage statement, or online snapshot (with account number redacted), showing at least $575,000 down payment as your Proof of Funds.

✅ Upon receipt of your signed NDA and proof of funds, you will receive access to our complete due diligence package via a secure Box.com link..

Contact Darin Jerger or Jesse Grant for details on all of our Premier Listings.

Darin Jerger : 949 793 2999

Jesse Grant : 239 989 6930