Capital for New York
restaurant operators.
From $25K equipment buys to $1M Manhattan build-outs and license capital. Goliath funds NYC restaurants in 24 hours — West Village to Williamsburg, Astoria to Hudson Yards, Flushing to the South Bronx. A direct lender that reads five-borough deposit statements.
- 6+ months operating
- $25K+ 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 priced for the five-borough economy.
New York is the most expensive restaurant city in the country to operate, and most national lenders fundamentally cannot price it. They look at Manhattan rents in the West Village and Hudson Yards trading at $200-plus per square foot and assume the unit economics are broken. They see Local 6 union shops with elevated labor lines and flag the deal as risk. They don't understand Fair Workweek scheduling, they can't price a liquor license transfer, and they have no framework for the key money and build-out reserves a new SLA filing actually requires. So they pass, or they offer $50K when the operator legitimately needs $300K.
Goliath has been funding restaurants nationally since 2009 and we have a deep New York book. Our underwriters read five-borough deposit statements every day and recognize how a Restaurant Week surge, a Hudson Yards weekday-lunch flow, a Brooklyn brunch-driven Saturday, and a Queens late-night taverna pattern all show up. We don't shrink offers because your rent looks high or your labor line looks dense. We size to the deposits and the daily debit room.
The neighborhoods we fund every week
Manhattan operators in the West Village, Flatiron, Lower East Side, Midtown, and Hudson Yards. Brooklyn concepts across Williamsburg, Park Slope, Bushwick, Greenpoint, Cobble Hill, and Crown Heights. Queens operators in Astoria, Long Island City, and Flushing — tavernas, ramen shops, dim sum halls, and the diverse chef-driven concepts that define the borough. South Bronx and Mott Haven new openings. Staten Island North Shore ferry-traffic operators. We fund all of them on the same framework, with offer sizing calibrated up to reflect NYC deposit volumes.
What our typical NYC deal looks like
A West Village operator drawing $200,000–$500,000 for a turnkey buyout of an adjacent space and an SLA transfer. A Williamsburg restaurant group consolidating three stacked advances into a single 18-month structure. A Hudson Yards corporate-lunch concept gearing up for fall with $150,000 of payroll bridge. An Astoria taverna pulling $75,000 to refresh the dining room. A Flushing dim sum operator replacing kitchen equipment with a same-day $90,000 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 that prices to deposits, not to fear.
National lenders see New York and add basis points. They treat Manhattan rents as evidence of broken economics instead of the reality of operating in the densest revenue market in the country. They penalize Local 6 shops, flag Fair Workweek concepts, and undersize their offers because the model gets nervous. We don't.
NYC operators with $75K–$150K monthly deposits routinely qualify for $150K–$400K of working capital at competitive factor rates. Operators above $250K monthly access $500K–$1M, often structured 12–24 months. Multi-unit NYC groups consolidating stacked advances cut daily debits 30–50 percent on day one. No five-borough premium, no labor-cost 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.
New York City Business Loans
Funding for every NYC 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, key money, and expansion.
MCA Consolidation
Stacked across multiple advances? We pay them off and reset your daily.
Equipment Financing
Hood systems, walk-ins, POS, and full kitchen packages.
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.