Capital for Houston
retail operators.

Houston is the fourth-largest city in the United States by population and the retail footprint reflects it. The Galleria is the third-largest mall in the country and a genuine international shopping destination, particularly for Mexican and Latin American visitors during the December and early-January window. Highland Village and the River Oaks District anchor the affluent luxury corridor. Memorial City Mall and Memorial-area centers serve a large suburban affluent market. Rice Village carries a university-adjacent specialty mix that runs on a different calendar. The Heights boutique corridor along 19th Street has emerged as one of the most-walked independent shopping streets in Texas. Montrose runs lifestyle and specialty independents.

Goliath funds Houston retail every week. Our underwriters read Texas deposits with a working understanding of how the energy economy, the international tourist mix, and the suburban affluent spend pattern actually combine to produce the Houston retail curve. We don't penalize energy-cycle exposure — we underwrite the deposits.

The corridors and centers we fund every week

National-brand and luxury operators at the Galleria, the third-largest mall in the United States. Luxury independents at Highland Village and the River Oaks District. Suburban-affluent national and independent operators at Memorial City Mall and Memorial-area centers. University-adjacent specialty in Rice Village. Independent boutiques along the Heights 19th Street corridor. Montrose specialty retail. Sugar Land and The Woodlands suburban centers. EaDo and East End emerging concepts.

What our typical Houston retail deal looks like

A Galleria national-brand franchisee taking $150,000–$300,000 in September to load holiday inventory ahead of the international tourist surge. A Heights 19th Street boutique loading fall inventory with a $40,000 line. A Rice Village independent bridging a slow August with a $30,000 working-capital advance. A River Oaks District luxury operator buying out a partner with a $250,000 term loan over 18 months. These are the files we close every week.