Capital for Vegas,
priced for convention cycles.

Las Vegas runs on a cash-flow rhythm unlike any other major American metro. Convention surges drive enormous revenue spikes — CES in January, MAGIC in February and August, World of Concrete, Conexpo, NAB, the fight cards, the holiday weekends, the New Year's run. In between those surges, the off-cycle softness is real, and the deep summer trough from late June through mid-August is real in a way that national lenders running rigid rules consistently fail to price. The result is a Vegas small-business economy with stronger revenue than national averages but a more volatile deposit pattern — and a chronic mismatch with the daily debit structures most online lenders default to.

Goliath was built to underwrite that rhythm. We are headquartered in Miami at 3250 NE 1st Avenue, Suite 307, but our underwriting team works Vegas files every business day on Pacific time. We know the convention calendar. We know how to read peak-versus-trough deposit signatures and calibrate the daily debit to the trough rather than the peak. We know which Vegas banks clear ACH same-day. We know that a strong-revenue restaurant on the Strip can show summer-month statements that look thin to a national underwriter, and we structure repayment so the slow weeks do not break the business. That granular Vegas-specific knowledge separates a structured offer from a generic decline.

Vegas's submarkets, by what they actually need

The Strip and Strip-adjacent ecosystem carry hotel-restaurants, nightclubs, retail, event services, and the broader hospitality economy that anchors the city's revenue. Downtown Las Vegas and the Fremont East district run independent bars, restaurants, and the resurgent downtown hospitality scene. The Arts District has become the city's modern independent restaurant, brewery, and creative-services corridor. Summerlin anchors upscale residential services, professional services, healthcare, and luxury hospitality.

Henderson carries residential services, healthcare, construction, and a deep base of professional firms. North Las Vegas runs logistics, manufacturing, and the trades base supporting suburban growth. Chinatown along Spring Mountain Road anchors one of the most credible Asian restaurant economies in the United States. Spring Valley, Paradise, and the broader off-Strip metro run residential services, retail, healthcare, and the consumer-services economy. Every one of these submarkets sits in our pipeline every month.

What makes Las Vegas underwriting distinctive

We calibrate the daily debit to the seasonal trough, not the seasonal peak. The result is repayment that fits a July P&L as well as a January P&L, with no acceleration risk during slow weeks. We do not require tax returns or P&Ls on positions under $250K. We do not run hard credit pulls until you have chosen a term sheet. We do not penalize the convention-cycle volatility — we underwrite around it.

Vegas is dominated by hospitality, but the underlying economy is broader than the Strip headlines suggest. Our Vegas book reflects that breadth.

Restaurants, bars, and hospitality

Strip-adjacent restaurants and bars, Downtown and Fremont East concepts, Arts District independents, Summerlin upscale dining, Chinatown institutions, and the off-Strip neighborhood restaurant economy. Equipment, build-outs, and seasonal capital.

Gaming and entertainment services

The supplier and services base around the casino and entertainment economy — gaming equipment vendors, security services, hospitality staffing, performer and production services, and the broader entertainment ecosystem. Mobilization and equipment.

Convention and event services

Catering, A/V, event production, transportation, equipment rental, and security services supporting the trade-show calendar. Mobilization capital and equipment financing.

Construction and trades

GCs, subs, electrical and plumbing contractors, residential builders across Henderson and Summerlin, and the trades base supporting Strip and resort redevelopment. Mobilization capital and lien-bridge positions.

Healthcare and dental

Independent and group medical practices, dental offices, urgent care, behavioral health, and specialty clinics across Summerlin, Henderson, and the city. Build-outs, equipment, and insurance-receivable bridges.

Professional services

Summerlin and Downtown law firms, accounting practices, wealth advisors, IT services, and consultancies. Capital for hiring sprints and technology.

Auto, transportation, and tourism services

Limousine and luxury transportation, tour operators, exotic auto rentals, dealers, and the auto-services economy that scales with the visitor base. Inventory and equipment.

Logistics and distribution

Freight, trucking, and warehouse and 3PL operators across the I-15 corridor and out to North Las Vegas. Equipment financing and capacity expansion.