Capital for Miami
retail operators.
Inventory, buildouts, and second-location expansion capital for Miami retailers — Lincoln Road, Brickell City Centre, Aventura Mall, Dadeland, Design District, Bayside, Coconut Grove. Headquartered eight blocks from the Design District.
- 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 a tourism-driven retail market.
Selling retail in Miami is a different sport. The high season runs from Art Basel in early December through Easter, then the summer trough hits and tourist foot traffic thins. The customer base is bilingual, international, and heavily influenced by Latin American shopping cycles — Mother's Day in May skews different from the rest of the country, December cruise passengers buy luggage and gifts on their way to and from the port, and July brings Brazilian and Argentine visitors with strong dollar buying power. Operators who can stock for those waves and survive the in-between months are the ones who build durable Miami retail businesses.
Goliath was founded in Miami in 2009. Our headquarters at 3250 NE 1st Avenue sits inside the Design District corridor, and our underwriters read Miami retail deposits because they've been doing it for fifteen years. We don't ask Miami stores to explain why September deposits drop 40% from December — we already know.
The corridors and centers we fund every week
Independent boutiques on Lincoln Road and along Collins Avenue. Luxury and watch operators in the Design District jewelry corridor and at Bal Harbour Shops. National-brand franchisees and independents anchored to Aventura Mall, Dadeland, and Brickell City Centre. Coconut Grove specialty shops along CocoWalk and Main Highway. Bayside Marketplace operators working a heavy cruise-passenger mix. Wynwood's gallery-adjacent apparel and lifestyle brands. Doral's Latin American luxury and electronics retailers serving Brazilian and Venezuelan customers.
What our typical Miami retail deal looks like
A Lincoln Road boutique getting $50,000–$100,000 in October to load up on Art Basel and December inventory. A Design District jewelry operator bridging a slow August with a $75,000 working-capital advance. An Aventura Mall franchisee buying out a partner with a $200,000 term loan structured over 18 months. A Brickell City Centre apparel store replacing fixtures and point-of-sale ahead of a March remodel with a same-day $40,000 wire. These are the files 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.
National lenders price Miami retail from underwriters who've never walked Lincoln Road in February or sat in Aventura on a Saturday in December. They flag the seasonal swings as risk. They down-rank neighborhoods they can't pronounce. They demand collateral on deals that should be unsecured working capital against deposits. We underwrite Miami retail from Miami, by people who shop these corridors.
Our offers reflect that. Miami retail operators with $30K–$50K in monthly deposits routinely qualify for $50K–$100K in inventory financing or working capital. Operators clearing $100K+ monthly deposits access $200K and up. Multi-store Miami groups consolidating existing advances cut daily debits 30 to 50 percent on day one. No exotic-locale surcharge, no rate penalty for selling in a tourist market. Just clean offers from a direct lender three miles from your store.
Questions worth answering.
Related funding resources
Retail Funding Overview
The full menu of products available to retail operators nationwide.
E-Commerce Funding
For Miami retailers running a Shopify or Amazon channel alongside the storefront.
Miami Business Loans
Funding for every Miami industry — not just retail.
Inventory Financing
Stock up for Art Basel, December, and July without draining operating cash.
Merchant Cash Advance
Daily-flex repayment that matches the Miami seasonal curve.
Seasonal Business Financing
Structured for the high-season / low-season retail rhythm.
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.