Capital for Florida operators
from Pensacola to the Keys.

Florida has the most diverse small-business economy in the Southeast — and it doesn't run on a banker's clock. From the cargo flows through PortMiami and JaxPort, to the construction backlog stretching from Doral to the Suncoast, to the agricultural cycles in the Heartland and the citrus belt, Florida operators live and die on capital that arrives when the opportunity arrives. Banks, by structure, can't move at that speed. Goliath was built to.

We're headquartered at 3250 NE 1st Ave in Miami's Edgewater district, a few blocks from the financial spine of Brickell and the creative core of Wynwood. From that office we write capital for businesses across every Florida region: Miami-Dade and Broward in the South Florida metro, Palm Beach County and the Treasure Coast, the Tampa Bay corridor and the Suncoast, Central Florida and the Orlando theme-park economy, Northeast Florida anchored by Jacksonville and the St. Johns River, the Panhandle from Pensacola through Tallahassee, and the Gulf Coast through Fort Myers and Naples. The state's size is a feature for us — we see enough deal flow in every market to underwrite with real local context rather than national averages.

The Florida economy we fund every day

Tourism and hospitality remain Florida's largest export industries, and they show up in our pipeline daily — hotels on Ocean Drive, restaurants on Las Olas, charter operators in the Keys, attraction operators on International Drive, vacation-rental management companies on 30A. Healthcare is the second pillar: independent medical and dental practices in nearly every metro, urgent-care groups, home-health agencies, and specialty clinics. Construction is the third, with backlogs in Miami, Orlando, and Tampa that look more like 2006 than 2026.

Logistics and trade make up a fourth pillar that's easy to miss from outside the state. PortMiami handles the highest container volume of any Florida port; JaxPort moves more vehicles than any port in the country; Port Tampa Bay anchors the Gulf side. Around those gateways we fund freight brokers, drayage operators, customs brokers, warehousing companies, and the small trucking outfits that feed them. Agriculture is the fifth: citrus, sugar, cattle, ornamental horticulture, and the packing and distribution chains tied to each. And cutting across all five are the professional service firms — law, accounting, real estate, marketing — that grease the wheels and frequently need bridge capital to scale into a new market.

Why speed matters more in Florida

Florida's growth pace is the operative reality. The state added more residents last year than any other and is on track to keep that ranking. Every demographic tailwind also creates compressed timelines: a contractor competing for a Brightline-adjacent build needs capital this week, not next quarter. A restaurant group bidding on a corner at Sawgrass Mills can't wait for an SBA underwriter to finish a 60-day file. A medical practice expanding into a second Sarasota submarket has a 14-day exclusivity window on the lease. Bank lending wasn't built for any of that. We were.

Florida's economic mix is uniquely broad, and our underwriting menu is wide enough to fit every segment. Below is a snapshot of the industries we fund every week, statewide.

Hospitality and tourism

Hotels, resorts, restaurants, bars, vacation rentals, charter operators, and event venues — from Miami Beach to Anna Maria Island to St. Augustine. Hospitality is the largest single segment in our Florida book and our underwriters calibrate to seasonal swing rather than penalize it.

Construction and trades

General contractors, electrical, plumbing, HVAC, roofing, concrete, drywall, and finish trades servicing the Miami high-rise market, the Orlando theme-park economy, Tampa Bay's residential boom, and the Panhandle's military and beach-resort growth. We fund mobilization capital, lien-bridge positions, and equipment buys.

Healthcare and dental

Independent and group medical practices, dental offices, urgent-care chains, home-health agencies, behavioral-health practices, and specialty clinics. We fund expansion build-outs, equipment, payroll bridges through insurance receivable gaps, and acquisition capital for partner buy-ins.

Logistics, trucking, and trade

Freight brokers, drayage operators, warehouse and 3PL businesses, customs brokers, and the trucking fleets serving PortMiami, JaxPort, Port Everglades, and Port Tampa Bay. We fund equipment, fuel bridges, and seasonal capacity expansions.

Real estate and property services

Brokerages, title companies, property managers, short-term rental operators, cleaning and turnover companies, landscaping and pool services. Florida's residential cycle is the engine of this segment and our offers track its rhythm.

Retail and e-commerce

Independent boutiques, specialty grocery, beauty and wellness, fitness studios, and Florida-based DTC brands. We fund inventory positions, marketing acceleration, and seasonal build-ups around tourist peaks.

Auto, marine, and powersports

Independent dealers, repair shops, marine service yards, charter and rental fleets, and powersports dealers across the Gulf and Atlantic coasts. We fund floor-plan supplements, parts inventory, and capital for slip and yard expansion.

Professional services

Law firms, CPA practices, marketing agencies, IT services, and consultancies. We fund hiring sprints, technology investments, and revenue-cycle bridges against slow-pay clients.