Capital for Jacksonville
retail operators.
Inventory, buildouts, and expansion capital for Jacksonville retailers — St. Johns Town Center, the Riverside / 5 Points historic shopping district, Beaches retail along Jacksonville Beach and Neptune Beach, and San Marco Square.
- 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 largest-city-by-area in the continental US.
Jacksonville retail spans an enormous geography. St. Johns Town Center anchors the upscale national-brand market on the Southside. Riverside, 5 Points, and Avondale carry the historic boutique and specialty independents that define a different demographic and buying pattern. The Beaches — Jacksonville Beach, Neptune Beach, Atlantic Beach — run on a seasonal beach calendar that peaks in summer and a strong spring break window. San Marco Square keeps a year-round neighborhood retail rhythm. Avondale and Murray Hill carry independent specialty operators. The calendar layers in the Florida-Georgia game weekend in late October, The Players Championship in March, Jaguars home games, and a steady convention and military spending base that doesn't show up in tourist-market cities.
Goliath was founded in Miami in 2009 and funds Jacksonville retail every week. Our underwriters read Northeast Florida deposits with a working understanding of how the diverse Jacksonville retail calendar actually flows. We don't ask Beaches operators why their September deposits drop — we already know.
The corridors and centers we fund every week
National-brand franchisees and independent retailers at St. Johns Town Center, the dominant upscale retail destination in Northeast Florida. Independent boutiques and specialty operators in Riverside and 5 Points, along with Avondale and Murray Hill. Beach-adjacent surf, resort, and lifestyle shops in Jacksonville Beach, Neptune Beach, and Atlantic Beach. Specialty retail in San Marco Square. Mandarin and Southside neighborhood centers. The Avenues Mall and Orange Park Mall in Clay County. Downtown specialty retail adjacent to TIAA Bank Field and the Riverwalk.
What our typical Jacksonville retail deal looks like
A St. Johns Town Center franchisee taking $75,000–$150,000 in October to load holiday inventory. A Riverside boutique bridging a slow January with a $30,000 working-capital advance. A Jacksonville Beach surf shop loading spring break inventory in February with a $50,000 advance. A San Marco Square specialty operator buying out a partner with a $200,000 term loan over 18 months. These are the files we close every week in Northeast Florida.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that reads Northeast Florida deposits.
National lenders price Jacksonville retail from underwriters who've never walked Riverside on a Saturday or stood in St. Johns Town Center in December. They flag the geographic spread as risk and miss the event-driven peaks. They demand collateral on deals that should be unsecured working capital against clean deposits. We underwrite Jacksonville retail by people who understand how this market actually performs across an enormous and varied metro footprint.
Our offers reflect that. Jacksonville retailers with $30K–$50K in monthly deposits qualify routinely for $50K–$100K in inventory or working capital. Operators clearing $100K+ monthly access $200K and up. Multi-store Northeast Florida groups consolidating existing advances cut their daily debit obligations 30 to 50 percent on day one. No penalty for selling in a beach market or a historic district. Just clean offers from a direct lender.
Questions worth answering.
Related funding resources
Retail Funding Overview
The full menu of products available to retail operators nationwide.
E-Commerce Funding
For Jacksonville retailers running an online channel alongside the storefront.
Jacksonville Business Loans
Funding for every Jacksonville industry — not just retail.
Inventory Financing
Stock up for the holidays, Florida-Georgia weekend, and spring break.
Merchant Cash Advance
Daily-flex repayment that matches Jacksonville's seasonal curve.
Seasonal Business Financing
Structured for the beach summer and holiday peaks.
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.