Capital for Tampa
retail operators.
Inventory, buildouts, and expansion capital for Tampa retailers — International Plaza and Bay Street, WestShore Plaza, Hyde Park Village, South Howard, and the Channelside district adjacent to Amalie Arena.
- 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 Area retail calendar.
Tampa retail moves on a different rhythm than the rest of Florida. The Gasparilla pirate festival in late January pulls hundreds of thousands of visitors downtown for an event that drives genuine retail revenue across South Tampa and Channelside. February's Strawberry Festival adds another wave. Spring training brings Yankees and Phillies fans into the western suburbs from late February through March. The Tampa Convention Center keeps a strong year-round book that supports International Plaza, WestShore, and the downtown corridor. And the holiday season hits hard at the two anchor malls, which together capture an outsized share of Hillsborough and Pinellas county retail spending.
Goliath was founded in Miami in 2009 and funds Tampa retail every week. Our underwriters read Bay Area deposits with a working understanding of how this market actually performs across the twelve-month curve. We don't ask Tampa operators why January deposits jump 40 percent — we already know it's Gasparilla and the convention book.
The corridors and centers we fund every week
National-brand franchisees and independent retailers at International Plaza and Bay Street, the highest-volume center in West Florida. Tenants and adjacent street retailers at WestShore Plaza. Independent boutiques and specialty operators in Hyde Park Village and along the SoHo / South Howard corridor. Channelside and Water Street operators serving event traffic from Amalie Arena and the cruise terminal. Westchase, Wesley Chapel, and Brandon suburban centers. Ybor City specialty and cigar retail. Carrollwood and South Tampa neighborhood independents.
What our typical Tampa retail deal looks like
A Hyde Park Village boutique getting $40,000–$80,000 in September to load holiday inventory and stock for Gasparilla. An International Plaza national-brand franchisee taking $150,000 in October ahead of the November fashion drop. A SoHo independent bridging a slow August with a $30,000 working-capital advance. A Channelside 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 Bay Area deposits.
National lenders price Tampa retail from underwriters who've never walked South Howard on a Saturday night or stood in International Plaza in December. They flag the seasonal swing as risk and miss the event-driven peaks that genuinely lift Tampa revenue above its monthly average. They demand collateral on deals that should be unsecured working capital against deposits. We underwrite Tampa retail with the curve in mind, by people who understand how the year actually flows.
Our offers reflect that. Tampa 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 Bay Area groups consolidating existing advances cut their daily debit obligations 30 to 50 percent on day one. No exotic-locale surcharge, no penalty for selling in a seasonal market. 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 Tampa retailers running an online channel alongside the storefront.
Tampa Business Loans
Funding for every Tampa industry — not just retail.
Inventory Financing
Stock up for Gasparilla, holidays, and the spring tourist surge.
Merchant Cash Advance
Daily-flex repayment that matches Tampa's event-driven curve.
Seasonal Business Financing
Structured for the January peak and the slower summer months.
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.