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 $1.4 million 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.

Key Investment Highlights
• Seller’s Discretionary Earnings exceeding $1.4M annually for the past three years
• Operating since 2004 (21+ years in business)
• $1,950,000 inventory included in purchase price
• Located in a major retail destination within greater Charlotte, NC metropolitan area
• Strong repeat and referral-based customer base
• Competitive pricing 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.

Example structure:
9.25% Interest, 10 year amortization, 10% down

Purchase Price: $5,400,000

Equity Investment: $557,500
SBA Loan: $4,842,500
SBA Guarantee: $145,375
Closing Costs: $25,000

Total SBA Loan: $5,012,875

Monthly SBA Debt Service: $64,181.20

Existing Cash Flow: $1,400,000
Annual SBA Debt Service: $770,174.44

Owner Benefit After Debt Service: $649,825.56

Estimated 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
To proceed and gain access to the confidential business information:
Option 1 – Email Submission: Please complete the attached NDA and email it to info@AegisInvest.com along with:
* The first page of your bank or brokerage statement, or an online screenshot
* Please redact the account number, but ensure it shows at least $575,000 available for the down payment

Option 2 – Digital Submission (Preferred): Copy/paste the link below into your browser to digitally sign the NDA and securely upload proof of funds via RightSignature:

https://secure.rightsignature.com/templates/6a40d916-f887-4bd6-a7cf-a97bbbb89778/template-signer-link/1d7e285575d1ebbe171eb1605a93d753

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.