Capital for Jacksonville
restaurant operators.
From $10K equipment upgrades to $500K Riverside build-outs. Goliath funds Jacksonville restaurants in 24 hours — Riverside to San Marco, Avondale to Downtown, Jacksonville Beach to the Southside. A direct lender that knows the First Coast.
- 6+ months operating
- $15K+ monthly deposits
- 500+ credit score floor
- Same-day wires before 1 PM ET
Risk-free, no-commitment application. No hard credit pull to check options.
$10B+ deployed
Across 50 states
24-hour approvals
Most offers same-day
Direct lender
Not a broker
No upfront fees
Zero application cost
Capital that understands the First Coast.
Jacksonville's restaurant scene has grown up dramatically over the past decade, and most national lenders haven't caught up. They still treat Duval County as flyover — a market they underwrite from a script in another time zone, with pricing built off zip-code grids they updated in 2017. They miss the chef-driven boom in Riverside and Avondale. They don't see how much corporate-lunch revenue flows through Downtown and the Southside. They have no model for what a Jaguars home weekend does to a King Street bar's deposits or what the Florida-Georgia rivalry surge does to every restaurant within five miles of the stadium for one week each year.
Goliath has been funding Florida restaurants since 2009. Our underwriters read Jacksonville deposit statements every day and recognize how Jaguars game weeks, military paydays at Mayport and NAS Jax, the seasonal Beaches tourism boost, and the steady year-round office traffic Downtown all show up in the bank. We don't ask Jacksonville operators to justify patterns we read across the entire market every month.
The neighborhoods we fund every week
Chef-driven independents and gastropubs in Riverside and on King Street. San Marco fine-dining and Square-anchored concepts. The bistros, coffee shops, and dinner spots that make Avondale one of the city's most consistent F&B corridors. Downtown corporate-lunch operators serving state offices, the courthouse, and the Bay Street financial cluster. The bar, surf-shack, and seafood concepts spread across Jacksonville Beach, Neptune Beach, and Atlantic Beach. Military-adjacent family operators near Mayport and NAS Jax. Mandarin and Southside chain-adjacent independents. We fund all of them on the same six-month, $15K-deposit framework.
What our typical Jacksonville deal looks like
A Riverside operator drawing $60,000–$150,000 to refresh a tired dining room and add a covered patio before football season. A San Marco fine-dining concept bridging July with $35,000 against fall reservations. A Beaches surf-bar concept replacing kitchen equipment with a same-day $40,000 wire. A Downtown lunch spot pulling $100,000 of working capital to add catering ovens and a delivery fleet. An Avondale group consolidating two existing advances into a single 15-month structure. These are the deals we close most weeks.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that doesn't underwrite from a national grid.
National lenders price Jacksonville restaurants from a model that doesn't know the difference between San Marco and the Southside, doesn't credit a Beaches operator for the summer tourism surge, and doesn't understand how military payday cycles smooth out the local revenue picture. Their offers are smaller and more expensive than they should be. Ours aren't.
Jacksonville operators with $30K–$50K monthly deposits routinely qualify for $50K–$100K of working capital at competitive factor rates. Operators above $100K monthly access $200K and up. Multi-unit Jacksonville groups consolidating stacked advances typically cut daily debits 30–50 percent on day one. No flyover surcharge, no out-of-market pricing penalty — just clean offers from a direct lender.
Questions worth answering.
Related funding resources
Restaurant Funding Overview
The full menu of products available to restaurant operators nationwide.
Jacksonville Business Loans
Funding for every Jacksonville industry — not just restaurants.
Merchant Cash Advance
The most-used instrument in food service. Daily-flex repayment.
Working Capital Loans
Lump-sum funding for build-outs and expansion.
Equipment Financing
Walk-ins, hood systems, POS, and full kitchen packages.
MCA Consolidation
Stacked across multiple advances? We pay them off and reset your daily.
Your next chapter is one
application away.
Five minutes. No credit pull. No obligation. See what you qualify for and decide on your own terms.