Capital for New York City
retail operators.
Inventory, buildouts, and expansion capital for NYC retailers — Fifth Avenue, SoHo, Madison Avenue, the Flatiron, Williamsburg, and DUMBO. Funded for the Manhattan rent realities and the Market Week buying calendar.
- 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 the Manhattan rent line and the Market Week calendar.
Running a retail business in New York City is a different financial exercise than running one anywhere else. Rent on Fifth Avenue, Madison Avenue, and prime SoHo blocks trades north of $700 per square foot. The buying calendar runs on Market Week and Fashion Week cycles, with February and September showroom appointments setting the entire next-season inventory plan. The tourist surge from Thanksgiving through New Year's drives a materially larger share of annual revenue than in most markets, and January and February become an operational survival window even for healthy concepts. The retailers who navigate New York have a financing partner that understands these realities — not one that flags them as risk.
Goliath funds NYC retail every week. Our underwriters read Manhattan and outer-borough deposits with a working understanding of how rent, seasonality, and the showroom calendar actually interact. We don't ask SoHo operators to explain why January deposits drop 50 percent from December — we already know.
The corridors and neighborhoods we fund every week
Luxury and flagship-format operators along Fifth Avenue and Madison Avenue. Independent boutiques and contemporary brands in SoHo, NoLita, and the Lower East Side. Concept stores and DTC flagships in the Flatiron and NoMad. Brooklyn independents in Williamsburg along Bedford and Wythe, in DUMBO, and in Park Slope. Specialty retail in the Meatpacking District, along Bleecker, and in the West Village. Upper East Side and Upper West Side neighborhood specialty operators.
What our typical NYC retail deal looks like
A SoHo contemporary brand taking $100,000–$200,000 in February to fund Market Week orders. A Madison Avenue specialty operator bridging a slow January with a $75,000 working-capital advance. A Williamsburg independent loading holiday inventory in October with a $50,000 line. A Flatiron concept buying out a co-founder with a $250,000 term loan structured over 18 months. These are the files we close every week across the five boroughs.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that reads Manhattan and Brooklyn deposits.
National lenders price NYC retail from underwriters who've never walked Fifth Avenue in December or sat in Williamsburg on a Saturday. They flag the rent line as risk. They miss how the showroom-driven buying calendar actually structures a fashion retailer's year. They demand collateral on deals that should be unsecured working capital against deposits. We underwrite NYC retail with the actual operating reality in mind, by people who read these deposits every week.
Our offers reflect that. NYC retailers with $30K–$50K in monthly deposits qualify routinely for $50K–$100K in inventory financing or working capital. Operators clearing $100K+ monthly access $200K and up. Multi-store NYC groups consolidating existing advances cut their daily debit obligations 30 to 50 percent on day one. No penalty for the Manhattan rent line. Just clean offers from a direct lender that knows the market.
Questions worth answering.
Related funding resources
Retail Funding Overview
The full menu of products available to retail operators nationwide.
E-Commerce Funding
For NYC retailers running a DTC channel alongside the storefront.
New York City Business Loans
Funding for every NYC industry — not just retail.
Inventory Financing
Fund Market Week and Fashion Week buys without draining operating cash.
Merchant Cash Advance
Daily-flex repayment that matches the holiday-heavy NYC revenue curve.
Seasonal Business Financing
Structured for the November-December peak and the January-February trough.
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.