Capital for Philadelphia
retail operators.
Inventory, buildouts, and expansion capital for Philadelphia retailers — Walnut Street and Rittenhouse, the King of Prussia Mall adjacent suburban corridor, Old City, South Street, and the Fishtown / Northern Liberties independent boutique scene.
- 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 historic, multi-corridor Mid-Atlantic market.
Philadelphia retail layers an enormous range of submarkets across the city and into the Main Line suburbs. Walnut Street and the Rittenhouse Square corridor carry the upscale national-brand and independent flagship mix in Center City. King of Prussia Mall in Montgomery County — one of the largest shopping centers in the United States by gross leasable area — anchors the suburban holiday market. Old City and Society Hill carry historic and specialty independents serving tourist and local traffic. South Street remains a distinct alternative-specialty corridor. Fishtown's Frankford Avenue and Northern Liberties have emerged as the densest independent boutique and design-led retail neighborhoods in the city. Manayunk's Main Street carries a neighborhood specialty mix. Chestnut Hill runs an upscale suburban-feel corridor inside city limits.
Goliath funds Philadelphia retail every week. Our underwriters read Mid-Atlantic retail deposits with a working understanding of how the city's diverse corridors and the suburban King of Prussia draw actually combine across the four-season calendar. We don't ask Walnut Street operators why February deposits drop — we already know.
The corridors and centers we fund every week
National-brand and upscale independents along Walnut Street and the Rittenhouse Square corridor. National tenants at King of Prussia Mall and the adjacent Court and Plaza specialty retail. Historic and tourist-adjacent operators in Old City along Market and 2nd Streets. Alternative-specialty along South Street. Independent boutiques in Fishtown on Frankford Avenue and in Northern Liberties. Manayunk Main Street specialty. Chestnut Hill independents. Cherry Hill Mall and the South Jersey suburban corridor.
What our typical Philadelphia retail deal looks like
A Walnut Street national-brand franchisee taking $100,000–$200,000 in September to load holiday inventory. A King of Prussia tenant loading Black Friday inventory in October with a $150,000 line. A Fishtown independent bridging a slow February with a $30,000 working-capital advance. An Old City specialty operator buying out a partner with a $200,000 term loan over 18 months. These are the files we close every week.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that reads Mid-Atlantic deposits.
National lenders price Philadelphia retail from underwriters who've never walked Walnut Street in December or driven Frankford Avenue on a Saturday. They flag the winter trough as risk. They demand collateral on deals that should be unsecured working capital against deposits. We underwrite Philadelphia retail with the actual four-season curve in mind, by people who understand the market.
Our offers reflect that. Philadelphia 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 Philadelphia groups consolidating existing advances cut their daily debit obligations 30 to 50 percent on day one. No penalty for the winter trough. Just clean offers from a direct lender.
Questions worth answering.
Related funding resources
Retail Funding Overview
The full menu of products available to retail operators nationwide.
E-Commerce Funding
For Philadelphia retailers running an online channel alongside the storefront.
Philadelphia Business Loans
Funding for every Philadelphia industry — not just retail.
Inventory Financing
Stock up for King of Prussia and Center City holiday seasons.
Merchant Cash Advance
Daily-flex repayment that matches Philadelphia's four-season curve.
Seasonal Business Financing
Structured for the Q4 peak and the February winter 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.