Capital for Boston,
at Kendall Square pace.

Boston is the densest concentration of knowledge-economy activity in the United States and one of the most concentrated globally. Harvard and MIT anchor an academic complex that has no parallel in the country. Mass General, Brigham, Beth Israel, Boston Children's, and the broader teaching-hospital network form an Eds and Meds economy of unmatched depth. Kendall Square sits at the center of a biotech corridor that produced more billion-dollar therapeutics in the last decade than any other American metro. And around all of it, a deep professional-services base, a remarkably resilient restaurant and hospitality economy, and a small but durable marine sector still drive the city's working capital cycles.

The texture of Boston business is technically sophisticated, customer-pay-cycle driven, and chronically misread by national lenders running rigid average-daily-balance rules. Goliath was built to underwrite that complexity. We are headquartered in Miami at 3250 NE 1st Avenue, Suite 307, but our underwriting team works Boston files every business day on Eastern time. We know the difference between a Cambridge biotech vendor's customer-pay cycle and a Seaport restaurant's seasonal deposit signature. We know which Boston banks clear ACH same-day. We know how to read research-grant deposit patterns and academic-calendar volatility. That granular local knowledge separates a structured offer from a generic decline.

Boston's submarkets, by what they actually need

Back Bay and Beacon Hill carry the legacy professional-services establishment — law, accounting, wealth management — and a deep retail and restaurant base. The Seaport has rebuilt itself in the last decade into the city's modern corporate, tech, and innovation hub, with a fast-growing restaurant and hospitality cluster on top. Downtown Crossing and the Financial District house the legacy finance and corporate base. The North End carries Boston's most iconic restaurant economy. Cambridge is the academic and biotech engine — Harvard, MIT, the Longwood medical complex, and the Kendall Square biotech corridor.

Somerville, Allston, and Brighton carry residential services, independent retail, neighborhood restaurants, and the IT-services and tech base ringing the universities. Jamaica Plain, Roxbury, and Dorchester run the legacy neighborhood economy plus a growing creative-services and food-and-beverage base. The Route 128 and 495 rings carry corporate offices, tech, biotech, manufacturing, and the broader suburban professional-services economy. Every one of these submarkets sits in our pipeline every month.

What makes Boston underwriting distinctive

Boston businesses tend to run on technically sophisticated customer bases — universities, hospitals, biotech, government grants — that pay on slower cycles than typical commercial customers. The result is a working-capital gap that national lenders running rigid rules misread as weakness. Our underwriting reads the gap correctly. We also calibrate to the real winter softness that affects restaurants, retail, and consumer services through the deep New England winter. We do not require tax returns or P&Ls on positions under $250K and we do not run hard credit pulls until you have chosen a term sheet.

No single industry defines Boston. Our Boston book mirrors the city's breadth — Eds and Meds, biotech, tech, professional services, hospitality, and the marine and food-distribution base.

Healthcare and dental

Independent and group medical practices, dental offices, urgent care, ambulatory surgery centers, behavioral health, and specialty clinics across the city and the suburbs. Build-outs, equipment, insurance-receivable bridges, and partner buy-ins.

Biotech and life sciences

Kendall Square contract research organizations, pharma services, medical device contractors, diagnostics, lab services, IT vendors, and the consultancy base. Equipment, mobilization, and customer-pay bridges.

Tech and software

Cambridge and Seaport software, IT services, fintech, healthtech, and the broader Boston SaaS base. Recurring revenue underwrites cleanly. Growth capital and hiring sprints.

Professional services

Back Bay and Downtown law firms, accounting practices, wealth advisors, and consultancies. Capital for hiring sprints, technology, and partner buy-ins.

Restaurants, bars, and hospitality

Seaport new-builds, North End Italian institutions, Back Bay fine dining, South End independents, Cambridge campus-adjacent dining, and the Allston-Brighton food economy. Equipment, build-outs, and winter bridge capital.

Education-adjacent services

Vendors, contractors, food and hospitality, IT services, and consultancies serving the Eds complex. Academic-calendar bridges and growth capital.

Marine and seafood distribution

Marine services, harbor-adjacent contractors, fishing fleet operators, and the seafood wholesale and processing base. Equipment, mobilization, and seasonal capital.

Construction and trades

GCs, subs, electrical and plumbing contractors, and residential builders across the city and the suburban ring. Mobilization capital and lien-bridge positions.