Capital for Tampa
restaurant operators.
From $10K equipment upgrades to $500K SoHo build-outs. Goliath funds Tampa restaurants in 24 hours — Ybor City to Hyde Park, Westshore to Seminole Heights, Channelside to the Riverwalk. A direct lender that knows the Bay area.
- 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 Bay's revenue mix.
Tampa is one of the most underrated restaurant markets in the Southeast — and one of the most misunderstood by national lenders. You have Cuban heritage concepts in Ybor City that have operated since the cigar boom. You have new American fine dining in Hyde Park Village. You have the Westshore corporate-lunch corridor feeding the airport and the office towers. You have SoHo's dinner-and-drinks density, Seminole Heights' independent chef-driven boom, and the Channelside and Water Street build pulling cruise traffic and Lightning fans straight into new ground-floor F&B. Banks see all that variety as noise. We see it as a market we have funded through three cycles.
Goliath has been funding restaurants across Florida since 2009. Our underwriters read Tampa-area deposit statements every day and know exactly how a Bucs home weekend, a Lightning playoff run, or Gasparilla weekend flow through the statements. We don't ask operators to explain why January deposits spike with the Outback Bowl crowd or why August dips when the universities haven't returned — we already know.
The neighborhoods we fund every week
Cuban and Latin institutions in Ybor City and the Cigar District. Fine dining and chef-driven concepts in Hyde Park Village and along Bayshore. Corporate lunch and steakhouse operators across Westshore and around TPA. Riverwalk and Channelside operators feeding Lightning and Bucs game-day crowds. SoHo gastropubs and late-night concepts on South Howard. The independent restaurant boom across Seminole Heights — pizza, barbecue, neighborhood bars, and the chef-owned spots that put the corridor on the national map. Tampa Heights breweries and bakeries. We fund all of them on the same framework.
What our typical Tampa deal looks like
A Seminole Heights operator drawing $50,000–$125,000 for a second-location build-out near Armature Works. A Hyde Park concept bridging summer with $40,000 against fall reservations. A Westshore caterer replacing kitchen equipment with a same-day $35,000 wire. An Ybor City operator pulling $200,000 to renovate a historic 7th Avenue space. A Channelside restaurant gearing up for Lightning playoffs with $60,000 of payroll bridge. These are the deals we close most weeks for Tampa-area operators.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
A direct lender that reads Bay-area statements.
National lenders look at a Tampa deposit statement and see unfamiliar patterns — the Gasparilla weekend, the bowl-game spike, the August dip when USF is on summer break. They flag all of it as risk. They price the deal up. We look at the same statement and see a year-round operating business with predictable seasonality that we've funded a hundred times.
Tampa operators with $30K–$50K in monthly deposits routinely qualify for $50K–$100K of working capital at competitive factor rates. Operators above $100K monthly deposits access $200K and up. Multi-unit Tampa groups consolidating existing stacked advances cut daily debits 30–50 percent on day one. No exotic-market surcharge, no penalty for the neighborhoods national lenders can't locate on a map — just clean offers from a direct lender.
Questions worth answering.
Related funding resources
Restaurant Funding Overview
The full menu of products available to restaurant operators nationwide.
Tampa Business Loans
Funding for every Tampa industry — not just restaurants.
Merchant Cash Advance
The most-used instrument in food service. Daily-flex repayment.
Working Capital Loans
Lump-sum funding for build-outs and expansion.
Equipment Financing
Walk-ins, hood systems, POS, and full kitchen packages.
Working Capital Math for Restaurants
A real framework for what to keep, what to deploy.
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.