Capital for Los Angeles
restaurant operators.
From $20K equipment buys to $750K DTLA build-outs. Goliath funds LA restaurants in 24 hours — West Hollywood to Silver Lake, Beverly Hills to Boyle Heights, Venice to Pasadena. A direct lender that reads California deposit statements through cycles.
- 6+ months operating
- $20K+ monthly deposits
- 500+ credit score floor
- Same-day wires before 10 AM Pacific
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 already prices in AB 1228 and Prop 22.
Los Angeles is one of the most operationally complex restaurant markets in the country, and most national lenders are still underwriting it like it's 2019. AB 1228 raised the fast-food minimum to $20 in April 2024, restructured labor economics for every quick-service operator in the state, and forced a real reset of menu pricing across the board. Prop 22 reshaped delivery-driver economics. The post-pandemic permitting environment for parklets, expanded patios, and outdoor dining is still being sorted out. And every operator is navigating the entertainment-industry cycle — production slowdowns, guild negotiations, the long tail of strike-year revenue gaps — on top of the normal restaurant pressure.
Goliath has been funding restaurants since 2009. Our underwriters read LA deposit statements every day and recognize how the AB 1228 reset moved labor lines, how a DTLA office-return cycle moves weekday-lunch deposits, and how a West Hollywood late-night concept reads differently from a Silver Lake brunch spot. We don't penalize concepts because the model hasn't caught up to California.
The neighborhoods we fund every week
West Hollywood and Beverly Hills fine dining and late-night concepts. DTLA operators in the Arts District, Historic Core, and South Park. Silver Lake and Echo Park chef-driven independents. The dense Koreatown corridor — barbecue houses, banchan kitchens, 24-hour stew shops, and the bar density along Wilshire and 6th. Boyle Heights and East LA family Mexican operators. Venice and Abbot Kinney coastal concepts. Pasadena's Old Town dining strip and the Playhouse District. Sherman Oaks and Studio City Valley operators. We fund all of them on the same six-month, $20K-deposit framework.
What our typical LA deal looks like
A West Hollywood operator drawing $150,000–$400,000 for a Sunset Strip refresh and expanded outdoor patio. A DTLA Arts District restaurant bridging a slow August with $75,000 against fall convention business at the Convention Center. A Koreatown barbecue operator replacing tabletop grills and ventilation with a same-day $90,000 wire. A Silver Lake group consolidating stacked advances into a single 18-month structure. A Venice coastal concept pulling $250,000 of build-out capital for a sister restaurant. These are the deals we close most weeks for LA operators.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that already knows California cost structure.
National lenders react to California payroll lines like they've never seen a $20 wage floor. They flag the delivery-platform mix as a credit issue. They downsize offers because they don't have a model for entertainment- industry cycles. We've been funding California restaurants through every cycle of the last fifteen years and our model reflects it.
LA operators with $50K–$100K monthly deposits routinely qualify for $100K–$250K of working capital at competitive factor rates. Operators above $200K monthly access $400K and up, often structured 12–24 months. Multi-unit LA groups consolidating stacked advances typically cut daily debits 30–50 percent on day one. No California penalty, no AB 1228 surcharge — 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.
Los Angeles Business Loans
Funding for every LA 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.