Capital for Tampa Bay
contractors and trade subs.
From Water Street tower work to Westshore commercial, Ybor restoration to MacDill federal contracting — Goliath funds Tampa Bay contractors in 24 hours. AR-bridge, mobilization, and equipment capital structured around real Florida draw cycles.
- 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 knows the Bay Area jobsite.
Tampa Bay is in the middle of the most significant construction cycle in its history. The downtown Tampa core has been fundamentally reshaped by the Water Street development — eight million square feet of mixed-use anchored by USF Health and surrounded by hotel, residential, and office product. The Channel District and Riverwalk have absorbed adjacent investment for a decade. Westshore continues to push office, hospitality, and mixed-use product. Ybor City's brick-warehouse stock is being systematically converted to creative-office and food-and-beverage tenants. And MacDill AFB, the VA Tampa hospital, and Coast Guard installations generate steady federal contracting demand for trade subs across the bay.
Goliath has been funding Tampa Bay contractors for fifteen years. Our underwriters know the 60-day draw cycle on a Water Street project, the historic-district payment rhythm in Ybor, and the Davis-Bacon timing on a MacDill site improvement. We don't ask Tampa contractors to explain why a tropical storm shifted their July deposits — we already know.
The Tampa Bay construction markets we fund
The downtown Tampa revitalization around Water Street, the Channel District, and the Riverwalk generates steady demand for structural, MEP, glazing, and finish-out subs riding the tower pipeline. Westshore commercial, hospitality, and mixed-use projects move at lease-driven speeds requiring fast mobilization capital. Ybor City restoration contractors — masonry, ironwork, window restoration, structural underpinning — work inside historic-district timelines that stretch AR cycles. MacDill AFB and federal work generates prime and subcontracting opportunities at Davis-Bacon wage rates with their own payment cadence. And Raymond James Stadium and Amalie Arena upgrades push event-driven equipment and crew demand on tight blackout windows.
Hurricane season and the Tampa cash gap
Tampa contractors don't have to deal with HVHZ procurement the way Miami and Broward do, but hurricane-season jobsite shutdowns still punish cash flow. A two-week pause in late August forces rescheduled pours, missed inspection windows, and delayed pay applications. We fund that gap on deposit history, with structures that flex around the uneven post-storm AR releases.
What a typical Tampa contractor deal looks like
A Water Street MEP sub pulling $100,000–$200,000 against three open pay applications. A Westshore commercial GC mobilizing on a $1.8M tenant-improvement with $80,000 in 24-hour working capital. An Ybor restoration contractor financing $50,000 of masonry equipment and crew payroll for a historic warehouse conversion. A MacDill site-improvement sub consolidating two existing advances into a single 18-month structure ahead of the next federal bid. These are the deals we close most weeks across the bay.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that knows the bay.
National lenders pricing Tampa contractors are reading spreadsheets in Charlotte and Dallas. They flag the Water Street project density as concentration risk. They down-rank Ybor restoration contractors because historic work doesn't fit a standard project-type code. They demand collateral on MacDill subs that should be unsecured working capital. We underwrite Tampa Bay contractors with people who know the difference between a Water Street draw cycle and a Westshore tenant-improvement cycle.
Tampa contractors with $80K–$150K monthly deposits routinely qualify for $150K to $300K in AR-bridge capital. Federal subs working MacDill, VA Tampa, and Coast Guard routes access equipment and crew capital structured around Davis-Bacon timing. Multi-unit Bay Area trade groups consolidating stacked advances cut combined daily debits 40–60% on day one. No out-of-market pricing penalty — just clean offers from a direct lender that has been funding bay contractors for fifteen years.
Questions worth answering.
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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.