Capital for Phoenix
restaurant operators.

Phoenix is one of the most seasonally extreme restaurant markets in the country, and it's one of the easiest for national lenders to misread. From October through April, the Valley fills up — snowbirds in Scottsdale and Arcadia, Cactus League Spring Training in March bringing 15 teams and millions of visitors, the Phoenix Open in February generating one of the biggest annual events in golf, Coachella Weekend pulling West Coast traffic through town, and a steady tourism flow across Old Town Scottsdale and the Camelback Corridor. Then June arrives, temperatures pass 110, patios become unusable, snowbirds leave, and the same neighborhood operator can see deposits drop 35 percent overnight. Banks see that swing and panic. We see a documented pattern we've funded through fifteen summers.

Goliath has been funding restaurants since 2009 and we have a deep Arizona book. Our underwriters read Phoenix and Scottsdale deposit statements every day and recognize the snowbird surge, the Spring Training spike, the summer slowdown, and the Q4 ramp-up. We don't ask Phoenix operators to justify why August deposits look like a different business — we already know.

The neighborhoods we fund every week

The chef-driven restaurant cluster across Downtown Phoenix and around the CityScape and Heritage Square districts. New openings on Roosevelt Row and through the central arts district. Old Town Scottsdale fine-dining, bar, and resort-adjacent concepts that drive Q1 and Q4 tourism revenue. The neighborhood independents and brunch-heavy operators in Arcadia along Indian School and 44th Street. Camelback Corridor corporate-lunch and steakhouse concepts. Mexican and Sonoran institutions across South Phoenix and the West Valley. We fund all of them on the same six-month, $15K-deposit framework.

What our typical Phoenix deal looks like

An Old Town Scottsdale operator drawing $100,000–$250,000 to refresh a tired dining room before season. An Arcadia brunch concept bridging a brutal August with $50,000 against October snowbird-return traffic. A Roosevelt Row independent replacing kitchen equipment with a same-day $35,000 wire. A South Phoenix family Mexican operator pulling $60,000 to expand into a second storefront. A Camelback Corridor steakhouse consolidating stacked advances into a single 18-month structure. These are the deals we close most weeks.