Capital for Miami
general contractors and subs.

Building in Miami is not the same as building anywhere else. The Florida Building Code's High-Velocity Hurricane Zone chapter governs every screw, every anchor, every pane of glass installed inside Miami-Dade and Broward county lines. NOA documentation turns a routine window swap into a six-week procurement exercise. Concrete pours in a Brickell tower run through August humidity at temperatures that punish curing schedules. And every contractor working a condo project is now navigating a milestone inspection regime that didn't exist before Surfside.

Goliath was founded in Miami in 2009. Our underwriters have been reading contractor bank statements out of the 305 area code for fifteen years — they know what a Brickell tie-in mobilization looks like in a deposit ledger, they know what a Wynwood adaptive-reuse project's draw schedule typically does to August cash flow, and they know which Miami GCs pay in 30 days and which ones pay in 90. We don't ask Miami contractors to explain the delta between contract value and cash on hand — we already know.

The Miami construction markets we fund

The Brickell tower boom has supercharged structural, glazing, MEP, and finish-out subcontractor demand from 8th Street to the river. We fund dewatering specialists, post-tension crews, curtainwall installers, and the elevator and life-safety subs riding the same tower pipeline. In Wynwood and the Design District, adaptive reuse of 1950s warehouse stock has pushed demand for structural retrofit, ADA-compliance, and hospitality build-out contractors. Miami Beach and Surfside contractors handling 40-year and 50-year milestone recertifications are inside a multi-decade pipeline of concrete restoration, balcony rebuilds, and waterproofing work that didn't exist at this scale before 2021.

The HVHZ and impact-glass reality

Miami-Dade's HVHZ requirements add procurement lead time, capital intensity, and labor hours to every exterior job. Impact-glazing contractors carry 6- to 10-week glass inventory positions to keep schedules. Roofers buy product against the next storm season's delivery curve. We fund those inventory buys, the scissor lifts and boom lifts you need to staff a second crew, and the payroll gap between submitting a draw on a tourism-hospitality build-out on Collins Avenue and seeing the money clear the bank.

What a typical Miami contractor deal looks like

A Brickell structural sub getting $100,000–$250,000 in AR-bridge capital against three open pay applications. A Wynwood GC mobilizing on a $1.4M adaptive-reuse project with $80,000 in working capital before the first draw releases. A Miami Beach concrete-restoration contractor financing $60,000 of shoring and hydro-demolition equipment to staff a second 50-year recertification crew. A Doral impact-glass installer consolidating two existing advances into a single 18-month structure at half the daily debit. These are the deals we close most weeks.