Capital for Miami
restaurant operators.
From $10K equipment buys to $500K build-outs and second-location expansions. Goliath funds Miami restaurants in 24 hours — Brickell to Wynwood, Coral Gables to Miami Beach. We're headquartered eight blocks from your kitchen.
- 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 South Florida rhythm.
Running a restaurant in Miami is unlike running one anywhere else in the country. Peak season runs Art Basel through April, then the summer trough hits. Rent in Brickell and Miami Beach trades at price points that approach Manhattan. Liquor licensing is its own multi-month obstacle course. Hurricane prep eats two weeks of cash every fall. And the customer base — bilingual, international, turnover-prone — rewards operators who can move when an opportunity appears and survive when one disappears.
Goliath was founded in Miami in 2009. Our headquarters at 3250 NE 1st Avenue is a six-minute drive from most of the Wynwood and Edgewater operators we fund, and our underwriters know the rhythm of Miami restaurant deposits because they have been reading them for fifteen years. We don't ask Miami restaurants to explain why August deposits drop 30% from March — we already know.
The neighborhoods we fund every week
Independent fine dining in Coral Gables and Coconut Grove. Brickell and downtown happy-hour concepts. Wynwood's gallery-adjacent gastropubs. Miami Beach hotel-restaurant operators dealing with seasonal occupancy swings. Little Havana cafeterias and Calle Ocho institutions. The ghost kitchens and cloud-concept operators clustered around Doral and Allapattah cargo. Sushi and izakaya concepts in MiMo and the Upper Eastside. The food-truck rotation at Wynwood Yard and the rotating pop-ups across South Beach.
What our typical Miami deal looks like
A Wynwood operator getting $75,000–$150,000 for a second-location build-out at 2nd Avenue. A Brickell happy-hour concept bridging a slow June with a $40,000 advance against the July restaurant week reservations. A Coral Gables fine-dining operator buying out a partner with a $250,000 working-capital loan structured over 18 months. A Miami Beach hotel restaurant replacing a hood system the week before a major Saturday with a same-day $80,000 wire. 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, on your side of the bridge.
The largest commercial lenders in the country price Miami restaurants from underwriters who have never eaten on Calle Ocho. They flag the seasonal swings as risk. They down-rank concepts in neighborhoods they can't pronounce. They demand collateral on deals where the right structure is unsecured working capital. We underwrite Miami restaurants from Miami, by people who eat at Miami restaurants.
Our offers reflect that. Miami restaurant operators with $30K–$50K in monthly deposits routinely qualify for $50K–$100K in working capital at competitive factor rates. Operators with $100K+ monthly access $200K and up. Multi-unit Miami groups consolidating existing advances cut their daily debits by 30–50% on day one. There's no out-of-market pricing penalty, no Miami "exotic locale" surcharge. Just clean offers from a direct lender three miles from your kitchen.
Questions worth answering.
Related funding resources
Restaurant Funding Overview
The full menu of products available to restaurant operators nationwide.
Miami Business Loans
Funding for every Miami 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.
MCA Consolidation
Stacked across multiple advances? We pay them off and reset your daily.
Working Capital Math for Restaurants
A real framework for what to keep, what to deploy.
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.