Capital for Phoenix
retail operators.
Inventory, buildouts, and expansion capital for Phoenix-area retailers — Scottsdale Fashion Square, Kierland Commons, Biltmore Fashion Park, Old Town Scottsdale, and the Roosevelt Row arts district downtown.
- 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 inverted snowbird retail calendar.
Phoenix retail runs on a calendar that's inverted from most of the country. The strong season opens with snowbird arrivals and winter resort guests in November and runs through April, layered with spring training crowds for fifteen MLB teams across the Cactus League. June, July, and August become the genuine trough — daily highs above 110 degrees empty walking corridors in Old Town Scottsdale, on Mill Avenue, and along Roosevelt Row. The enclosed centers — Scottsdale Fashion Square, Kierland Commons, and Biltmore Fashion Park — hold up better through the summer but still see materially lower foot counts than peak winter weeks. The retailers who win in the Valley stock for the season and survive the dip.
Goliath funds Phoenix retail every week. Our underwriters read Arizona deposits with a working understanding of how the inverted snowbird-and-heat seasonality actually produces the Valley retail curve. We don't ask Phoenix operators why July deposits drop 40 percent — we already know.
The corridors and centers we fund every week
National-brand and luxury operators at Scottsdale Fashion Square, the highest-volume luxury destination in Arizona. Tenants and adjacent street retailers at Kierland Commons and Biltmore Fashion Park. Independent boutiques and resort-adjacent specialty in Old Town Scottsdale along Scottsdale Road and Main Street. Creative-specialty independents along Roosevelt Row in downtown Phoenix. Tempe Mill Avenue near ASU. Camelback Corridor and Arcadia neighborhood specialty. Glendale Westgate and Surprise suburban anchors.
What our typical Phoenix retail deal looks like
A Scottsdale Fashion Square franchisee taking $100,000–$200,000 in September to load holiday and snowbird-season inventory. An Old Town Scottsdale boutique bridging a slow July with a $30,000 working-capital advance. A Roosevelt Row independent loading spring inventory in February with a $40,000 line. A Kierland Commons 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 Valley deposits.
National lenders price Phoenix retail from underwriters who've never walked Old Town Scottsdale in February or tried to walk it in July. They flag the summer trough as risk without understanding it's structural and predictable. They demand collateral on deals that should be unsecured working capital against deposits. We underwrite Phoenix retail with the inverted seasonality in mind, by people who know the curve.
Our offers reflect that. Phoenix 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 Valley groups consolidating existing advances cut their daily debit obligations 30 to 50 percent on day one. No penalty for the predictable summer dip. 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 Phoenix retailers running an online channel alongside the storefront.
Phoenix Business Loans
Funding for every Phoenix industry — not just retail.
Inventory Financing
Stock up for the snowbird and spring training peaks.
Merchant Cash Advance
Daily-flex repayment that protects cash flow through the summer trough.
Seasonal Business Financing
Structured for the October-April winter peak and the summer dip.
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.