Capital for Houston
restaurant operators.

Houston is a restaurant market that rewards lenders willing to read it carefully. National pricing grids see the energy sector exposure and either price it like Dallas (wrong) or flag it as risk (also wrong). The reality is more textured. Memorial, the Energy Corridor, and the Galleria carry real expense-account dining tied to oil-and-gas activity — when crude is strong, the steakhouses, fine-dining concepts, and group-dinner venues benefit; when the cycle softens, those revenue lines compress while neighborhood-driven concepts in Montrose, the Heights, EaDo, and Midtown often hold steadier. And underneath all of that sits one of the most diverse food cultures in the country: the Vietnamese density along Bellaire, the Tex-Mex institutions, the Cajun and Gulf Coast seafood operators, the African and Indo-Pak corridors that no national model knows how to weight.

Goliath has been funding restaurants since 2009 and our Houston book is deep. Our underwriters read trailing-12-month deposit histories instead of reacting to any single quarter, and we recognize the difference between an oil-cycle dip and a structural problem. We don't ask Houston operators to justify patterns that we read across the entire market every month.

The neighborhoods we fund every week

Chef-driven independents and gastropubs in Montrose and along Westheimer. The brunch, dinner, and bar density across the Heights and Studemont corridor. Midtown and Bagby Street late-night concepts. EaDo new openings and breweries. Rice Village and the West University corridor's neighborhood operators. Galleria and Uptown corporate-lunch and steakhouse concepts. Memorial and Energy Corridor fine-dining and expense-account venues. The Vietnamese operators along Bellaire. Tex-Mex institutions across the city. We fund all of them on the same six-month, $15K-deposit framework.

What our typical Houston deal looks like

A Montrose operator drawing $75,000–$200,000 for a Westheimer build-out and patio expansion. A Galleria steakhouse bridging a soft quarter with $100,000 against fall corporate-dining bookings. A Heights brunch concept replacing kitchen equipment with a same-day $40,000 wire. A Bellaire Vietnamese operator pulling $60,000 of working capital to add a second location. A Memorial group consolidating stacked advances into a single 18-month structure. These are the deals we close most weeks.