Capital for the five boroughs,
at New York speed.

New York City is the most expensive small-business market in the United States, and the math behind every NYC business is brutal. Rent due on the first. Payroll on the 15th and the 30th. Sales tax monthly. Commercial insurance premiums that have doubled in five years. Suppliers tightening terms. And a regional banking environment where a strong relationship at Chase or Signature still doesn't get a $250K decision in less than 45 days. The result is a city full of profitable businesses chronically squeezed by timing — businesses that need capital fast, structured around revenue rather than collateral, and priced for the realities of an NYC P&L.

That is the file we underwrite every day. Goliath is a direct lender writing positions out of our own balance sheet. We are headquartered in Miami's Edgewater district but our underwriting team works NYC files every business day, and our largest non-Florida book by dollar volume is New York City. We know the difference between a Midtown law firm's deposit signature and a Bushwick bar's deposit signature. We know which NYC banks clear ACH cleanly and which ones stall a wire. We know which neighborhoods are mid-build-out and which ones are mid-rent-shock. That granularity is what separates a structured offer from a generic decline.

The five boroughs, by what they actually need

Manhattan is the city's professional and financial spine. FiDi houses the banks, the broker-dealers, the law firms, and the legacy finance establishment. Midtown is corporate offices, retail, and the densest hospitality cluster in the country. Hudson Yards is the newer corporate, media, and luxury-retail core. The Lower East Side, SoHo, Tribeca, the West Village, and the East Village are the independent restaurant, retail, and creative-services economy. Capital needs across Manhattan tend to be growth-oriented, lease-deposit-driven, and rent-cycle-bound.

Brooklyn has become a small economy of its own — Williamsburg and Greenpoint creative studios, DUMBO tech and design, Bushwick food operators and event venues, Downtown Brooklyn professional services, Park Slope retail, and the Sunset Park industrial reinvention. Queens is the working capital of the city — Long Island City light manufacturing and creative space, Astoria hospitality and retail, Flushing's deep Asian-American business community, Jackson Heights diversity of restaurants, and a logistics base feeding both JFK and LaGuardia. The Bronx anchors healthcare, food distribution, and the trucking and contracting trades. Staten Island carries construction, contracting, auto, and small-business services. Every borough sits in our pipeline every month.

What makes NYC underwriting distinctive

NYC bank statements look different from anywhere else. NSF activity is more common — not because the businesses are weak, but because rent, payroll, and tax cycles collide harder in this city than in any other market. National lenders see a few NSFs and decline. We do not. We weight deposit consistency, average daily balance, and revenue trend far above NSF counts. That methodological difference is the single biggest reason NYC applicants funded at Goliath were declined elsewhere. 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 New York, and no single industry defines our NYC book. The segments below are the ones we fund most actively each month across the boroughs.

Restaurants, bars, and hospitality

From Midtown power-lunch institutions to Lower East Side cocktail bars, Williamsburg and Greenpoint independents, East Village dives, Astoria taverns, Flushing dim sum, and the Bushwick warehouse-bar scene. We fund equipment, build-outs, lease deposits, second-location expansion, and bridge capital through the January-February trough.

Finance and professional services

FiDi broker-dealers, Midtown law firms, accounting practices, wealth advisors, IT services, consultancies, fintech operators, and PR and marketing agencies. Capital for hiring sprints, technology investments, partner buy-ins, and book-of-business acquisitions.

Real estate, brokerage, and property services

Residential and commercial brokerages, title companies, property managers, building-services firms, and the contractors who turn units. Bridge capital, commission-cycle bridges, and acquisition financing.

Retail and fashion

SoHo and Madison Avenue boutiques, Brooklyn independent retail, Garment District wholesalers, and NYC-based DTC and e-commerce brands. Inventory financing, marketing acceleration, and seasonal build-ups.

Tech, media, and creative services

Hudson Yards and Flatiron tech operators, DUMBO design studios, Williamsburg production companies, media and post-production houses, and creative agencies across Manhattan and Brooklyn. Growth capital and project bridges.

Healthcare and dental

Independent and group medical practices, dental offices, urgent care, behavioral health, and specialty clinics across all five boroughs. Build-outs, equipment, insurance-receivable bridges, and partner buy-ins.

Construction and trades

GCs and subs feeding the Hudson Yards and Brooklyn build-outs, residential builders across Queens and Staten Island, electrical and plumbing contractors, and finish trades. Mobilization capital and lien-bridge positions.

Logistics, trucking, and distribution

JFK and LaGuardia cargo operators, Hunts Point food distributors, last-mile delivery fleets, freight brokers, and the warehousing and 3PL businesses across Sunset Park, LIC, and the Bronx. Equipment, fuel bridges, and capacity expansion.