Capital for Miami,
written in Miami.

Miami is the densest, most multilingual, most international small-business economy in the United States — and it doesn't behave like a national average. A Brickell fintech, a Wynwood gallery, a Calle Ocho bakery, and a Doral freight forwarder all share the same skyline but run on radically different cash cycles. The banks operating in this market apply the same generic underwriting they apply in Atlanta or Charlotte, and the result is the well-known Miami problem: businesses with strong revenue and weak credit-bureau profiles getting routinely declined. Goliath was built to underwrite Miami the way Miami actually works.

We operate from a working office at 3250 NE 1st Avenue, Suite 307, in Edgewater — between downtown Miami and the Design District. Our team is on the ground in Brickell most weeks, in Wynwood at least once, and in Doral and Coral Gables for client meetings on a rolling basis. We bank locally. We know which corner of NW 79th has the fastest construction permits. We know which Aventura medical buildings have the longest insurance-receivable lags. That granular local knowledge is the difference between a generic decline and a structured offer that closes.

Miami's neighborhoods, by what they need

Brickell is the financial spine: investment-management firms, law firms, family offices, fintech startups, and the restaurants and hospitality concepts that feed them. Brickell capital needs tend to be growth-oriented — hiring sprints, technology investments, second-office build-outs. Wynwood is the creative and food-and-beverage core: galleries, agencies, breweries, restaurants, and event venues. Wynwood needs tend to be timing-bound — build-outs, equipment, lease deposits before a landlord shifts the deal.

Doral is the Latin American HQ corridor and a logistics hub: freight forwarders, customs brokers, software companies serving LATAM, and a heavy concentration of trade and trucking. Coral Gables is the professional-services capital of the city: large law firms, accounting practices, dental and medical groups, and architecture and engineering. Little Havana, Allapattah, and the inland working neighborhoods carry the legacy small-business economy: family-owned restaurants, retail, repair shops, and contractors who have been building Miami for three generations. Miami Beach and Sunny Isles are hospitality, retail, and luxury services. Every one of these submarkets is funded out of our book.

What we underwrite from

Bank statements first, then time in business, then deposit patterns, then credit. We do not require tax returns, P&Ls, or collateral on most positions under $250K. We do not run hard credit pulls before you've chosen a term sheet. We do not penalize seasonal Miami patterns — the summer trough, the Art Basel spike, the cruise-season cycle, the snowbird arrival. We calibrate to them.

No single industry defines Miami, and that's exactly the point. The city's economic resilience comes from its sectoral diversity, and our Miami book mirrors that diversity. The segments below are the ones we fund most actively each month.

Restaurants, bars, and hospitality

From South Beach hotel-restaurants to Wynwood gastro concepts, Brickell rooftops, Coconut Grove cafes, and Calle Ocho institutions. We fund equipment, build-outs, expansion, and seasonal working capital. Restaurants are our largest single Miami segment.

Real estate, title, and property services

Brokerages, title companies, property managers, short-term-rental operators, cleaning services, and the contractors who turn units. Miami's residential cycle is the engine of this segment and our offers track its rhythm closely.

Fintech, family office, and professional services

Brickell and Coral Gables professional firms — law, accounting, wealth management, fintech, IT services, and consultancies. Capital typically goes to hiring sprints, technology, and acquisition financing.

Logistics, freight, and trade

The PortMiami and MIA cargo ecosystems — freight forwarders, customs brokers, drayage operators, trucking fleets, 3PL and warehousing in Medley, Hialeah, and Doral. Equipment financing, fuel bridges, and seasonal capacity expansions.

Healthcare and dental

Independent practices, group practices, dental offices, urgent care, behavioral health, and specialty clinics across Aventura, Coral Gables, Kendall, and Doral. Build-outs, equipment, payroll bridges, and partner buy-ins.

Construction and trades

High-rise GCs, residential builders, electrical and plumbing contractors, roofers, finish trades, and the subs feeding the Brickell and downtown construction backlog. Mobilization capital, lien-bridge positions, and equipment.

Retail, beauty, and wellness

Independent boutiques in the Design District and Coconut Grove, beauty and aesthetics in Aventura and the Gables, fitness studios across the city, and Miami-based DTC brands. Inventory, marketing acceleration, and seasonal build-ups.

Auto, marine, and luxury services

Independent dealers along NW 79th and US-1, repair shops, marine service yards in Coconut Grove and on the river, and the luxury-services firms — yacht charters, exotic auto rentals, concierge — that define Miami's high end.