Capital for the energy capital,
priced for Texas terms.

Houston is the largest energy economy in the United States, the largest medical complex in the world, one of the country's busiest ports, and a sprawling logistics, manufacturing, and professional-services base that runs across nine counties and a half-dozen Beltway loops. The texture of Houston business is unlike any other American metro. Cash flows arrive on customer terms calibrated to oil cycles. Insurance receivables for medical practices stretch out 60 to 90 days. Logistics operators surge against import seasonality and energy demand. Construction firms run two and three project cycles in parallel. National lenders running rigid underwriting do not price these patterns correctly. Goliath does.

We are headquartered in Miami at 3250 NE 1st Avenue, Suite 307, but our underwriting team works Houston files every business day on Central time, and our Houston pipeline is one of the largest non-Florida markets we fund. We know the difference between an Energy Corridor consultancy's deposit signature and a TMC-area medical practice's deposit signature. We know which Houston banks clear ACH same-day and which ones stall a wire. We know that hurricane season is real and we calibrate to it. That granular local knowledge is what separates a structured offer from a generic decline.

Houston's submarkets, by what they actually need

The Energy Corridor along I-10 west of the Beltway is the operational heart of the global oil-and-gas industry — supermajor offices, midstream and downstream operators, oilfield-services firms, and the engineering, technical, and consulting base that supports them. Capital needs here cluster around equipment, mobilization, and 60-to-90-day customer-pay bridges. The Galleria and Uptown are the city's secondary financial and professional core, plus a deep retail and hospitality cluster. Downtown houses the legal and energy headquarters establishment.

Midtown and Montrose carry the city's independent restaurant, bar, and hospitality scene. The Heights and the Washington corridor are residential-services, independent retail, and the food-and-beverage explosion of the last decade. EaDo is the new-build entertainment, restaurant, and creative-services neighborhood. Memorial and the Energy Corridor periphery house wealth management, specialty medical, and high-end consumer services. The Texas Medical Center and its peripheral ring along Bertner, Holcombe, and out to Bellaire run the densest healthcare small-business economy in the country. The Beltway industrial corridors and the Port of Houston ecosystem out to Pasadena and Baytown run logistics, manufacturing, and energy infrastructure. Every one of these submarkets sits in our pipeline every month.

What makes Houston underwriting distinctive

Houston businesses tend to run heavier deposit volumes than national averages but with longer customer-pay cycles. Energy receivables, medical insurance receivables, and commercial logistics receivables all stretch the working-capital gap. Our underwriting reads patterns rather than point-in-time snapshots, which is why Houston applicants frequently get approved at Goliath after declines from national lenders running rigid average-daily-balance rules. We do not require tax returns or P&Ls on positions under $250K and we do not run hard credit pulls before you have chosen a term sheet.

No single industry defines Houston, even when energy dominates the headlines. Our Houston book mirrors the city's true breadth.

Energy and oilfield services

Oilfield-services firms, equipment companies, midstream and downstream contractors, frac-services operators, and the engineering and consultancy base across the Energy Corridor. Equipment, mobilization, and customer-pay bridges.

Healthcare and dental

The TMC ring — independent and group medical practices, dental offices, urgent care, ambulatory surgery centers, behavioral health, and specialty clinics. Build-outs, equipment, payroll bridges, and partner buy-ins.

Logistics and port-related trade

Port of Houston freight brokers, drayage operators, trucking fleets, customs brokers, and 3PL and warehouse operators across Pasadena, La Porte, Baytown, and the Beltway industrial corridors. Equipment, fuel bridges, and capacity expansion.

Construction and trades

GCs, subs, electrical and plumbing contractors, residential and commercial builders feeding the city's continuing growth, and the trades base supporting energy infrastructure. Mobilization capital and lien-bridge positions.

Restaurants, bars, and hospitality

Montrose and Midtown independents, Heights neighborhood concepts, EaDo new-builds, Galleria-area dining, Bellaire's Asiatown, and the legacy Tex-Mex and barbecue institutions. Equipment, build-outs, and seasonal capital.

Professional services

Galleria and Downtown law firms, accounting practices, wealth advisors, IT services, and engineering consultancies. Capital for hiring sprints, technology, and partner buy-ins.

Manufacturing and industrial

Beltway industrial-base manufacturers — metal fab, chemicals, equipment, and energy-infrastructure suppliers. Equipment, working capital, and customer-pay bridges.

Auto, marine, and recreation

Independent dealers, repair shops, RV and powersports dealers, and marine outfits along the Gulf. Inventory, equipment, and seasonal capital.