Financing Brilliance, Managing Receivables with Precision
Freedom Novo Gems Receivable Management Inc provides specialized financing programs for luxury retail and jewelry markets — backed by industry-leading compliance and data reporting expertise.
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Transforming Luxury Retail Financing
We make it possible for jewelry retailers and luxury merchants to offer flexible, compliant credit programs that help their customers say "yes" to every special purchase. Our specialized financing solutions empower merchants to enhance their sales while building lasting customer relationships.
As a subsidiary of Freedom Holdings Unlimited Inc, we combine the elegance of fine goods financing with the discipline of receivable management best practices. Our comprehensive approach ensures both merchants and customers experience a seamless financing journey from application to final payment.
Our Story & Mission
Our Story
Based in Snellville, Georgia, Freedom Novo Gems Receivable Management Inc was created to serve the unique financing needs of luxury retail. From high-end jewelry and timepieces to bespoke accessories, we empower merchants to offer in-house credit programs without the operational and compliance burden.
Our Mission
To support luxury merchants with reliable, compliant, and profitable receivable programs that enhance sales, customer loyalty, and brand prestige. We strive to create financing solutions that reflect the same level of excellence as the luxury products our merchants sell.
As part of the Freedom Holdings Unlimited Inc family, we benefit from centralized compliance, finance, and IT systems — ensuring every program is audit-ready and investor-friendly.
Our Core Values
Trust
Protecting the integrity of every transaction through transparent operations and secure data management. We build relationships based on reliability and consistent performance.
Precision
Delivering accurate reporting and payment management with meticulous attention to detail. Our systems ensure every dollar is tracked and every statement is correct.
Compliance
Meeting and exceeding federal and state regulations through proactive monitoring and implementation of best practices. We stay ahead of regulatory changes.
Partnership
Strengthening relationships between merchants and customers through financing programs that create mutual value and long-term loyalty.
Comprehensive Financing Solutions
Luxury Retail Credit Programs
Tailored financing solutions for jewelry, watches, and luxury goods retailers. Our programs are customizable for purchase amount, interest rate, and repayment terms to match your brand positioning and customer expectations.
Receivables Management
We manage the full lifecycle — from origination to final payment — ensuring timely collections and accurate portfolio reporting. Our sophisticated systems maintain the perfect balance between effective collection and preserving the luxury customer relationship.
Credit Reporting & Data Furnishing
We furnish to major credit bureaus using Metro 2 standards and handle dispute resolution through e-OSCAR, maintaining accuracy and compliance while reducing merchant workload and liability exposure.
Portfolio Monetization & Financial Options
For merchants seeking to optimize their balance sheets, we offer sophisticated portfolio monetization options. These solutions allow you to convert customer receivables into immediate capital while maintaining the premium customer experience.
Our monetization services include:
  • Complete portfolio sales with investor-grade data packages
  • Partial participation arrangements with continued servicing
  • Securitization support with UCC filings and compliance documentation
  • Warehouse line facilitation with major financial institutions
Each option is structured to preserve your brand integrity while maximizing financial flexibility and return on investment.
Merchant Benefits
Increase Sales, Build Loyalty
Offering in-house financing allows customers to make premium purchases sooner, while creating long-term loyalty and repeat sales opportunities. Our data shows luxury retailers experience a 30-40% increase in average transaction value when offering tailored financing options.
Compliance Without the Overhead
We handle licensing, credit reporting, dispute management, and portfolio compliance so you can focus on sales. Our team of regulatory experts monitors changes in lending laws across all 50 states to ensure your program remains compliant.
Technology-Driven Operations
From application processing to payment reminders, our digital tools make credit management simple and secure. Merchants receive real-time dashboards showing portfolio performance, upcoming payments, and customer engagement metrics.
Investor & Lender Relations
A Valuable Asset Class
Luxury retail receivables present stable, high-margin opportunities for lenders and investors. Our underwriting and compliance processes protect asset value while maximizing performance. The luxury consumer segment typically demonstrates superior credit performance with lower delinquency rates than mass market consumers.
Partnership Opportunities
We welcome portfolio participation, warehouse lines, and purchase agreements for qualified investors. Our transparent reporting and proven servicing expertise make luxury receivables an attractive addition to diversified investment strategies. Contact our investor relations team to discuss current opportunities.
Technology & Compliance Excellence
Digital Application Platform
Streamlined customer application process with mobile and in-store options, featuring instant decisioning and digital signature capture.
Secure Data Management
Enterprise-grade encryption and access controls protect sensitive customer information while ensuring compliance with GLBA and state privacy regulations.
Real-Time Analytics
Comprehensive reporting dashboards provide merchants with portfolio insights, performance metrics, and trend analysis to optimize their financing programs.
Regulatory Compliance
Automated compliance checks and documentation ensure adherence to federal and state lending regulations, reducing merchant liability and operational risk.
Our technology infrastructure is designed specifically for the unique requirements of luxury retail financing, balancing sophisticated functionality with elegant user experiences.
Contact Us
Ready to elevate your luxury retail business with premium financing options? Our team of specialists is ready to design a program tailored to your unique merchandise and customer base.
Freedom Novo Gems Receivable Management Inc
2140 McGee Rd, Ste C480
Snellville, GA 30078
Phone: +1 770-691-6303
Merchants — want to offer luxury credit programs? Investors — interested in premium receivables? Let's connect to discuss how our specialized financing solutions can benefit your business.

© 2025 Freedom Novo Gems Receivable Management Inc. All rights reserved. We operate in compliance with the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and Uniform Commercial Code (UCC).