Capital for the Valley,
at Sun Belt growth pace.

Phoenix has been one of the most consistently expanding metros in the United States for over a decade. Population growth has anchored a continuous construction boom. Healthcare has built itself around the rapid retiree migration. TSMC's multi-billion-dollar fab in north Phoenix has remade the semiconductor supply chain. Scottsdale and Paradise Valley have built one of the densest resort and luxury-hospitality clusters in the country. And underneath all of it, the Phoenix small-business economy runs on a Sun Belt rhythm — strong year-round demand, a meaningful summer trough, and a growth trajectory that consistently outruns national underwriting.

Goliath was built to underwrite that growth. We are headquartered in Miami at 3250 NE 1st Avenue, Suite 307, but our underwriting team works Phoenix files every business day and our Phoenix pipeline has become one of our faster-growing non-Florida markets. We know the difference between a Scottsdale hospitality operator's seasonal deposit signature and a Chandler semiconductor supplier's customer-payment cycle. We know which Phoenix banks clear ACH same-day. We know which suburbs are mid-build-out and which submarkets are mid-rent-cycle. That granular local knowledge separates a structured offer from a generic decline.

Phoenix's submarkets, by what they actually need

Downtown Phoenix has reinvented itself in the last decade — the ASU downtown campus, the new biomedical corridor, the residential build-out, and a restaurant and entertainment scene that finally matches the city's scale. Scottsdale anchors finance, luxury retail, hospitality, healthcare, and the densest resort cluster in the Southwest. Old Town Scottsdale carries the city's nightlife and independent restaurant economy. Tempe is the ASU and tech corridor — software, fintech, and the IT services base built around the campus.

Chandler anchors the semiconductor corridor — Intel's massive facility, the supply chain around it, and the growing TSMC ecosystem in north Phoenix. Gilbert, Mesa, and the East Valley carry residential services, independent retail, healthcare, and the trades base supporting suburban growth. Glendale and the West Valley anchor the sports and entertainment district around State Farm Stadium, plus a growing residential and commercial base out to Buckeye and Surprise. Every one of these submarkets sits in our pipeline every month.

What makes Phoenix underwriting distinctive

Phoenix businesses run on a meaningful seasonality — peak revenue from late fall through spring, soft summer months when temperatures climb past 110 degrees and snowbird traffic recedes. National lenders running rigid average-daily-balance rules misread the summer trough as weakness. We do not. We calibrate daily debits to the seasonal curve, structure repayment around the peak-season strength, and price for the actual Phoenix rhythm. We do not require tax returns or P&Ls on positions under $250K and we do not run hard credit pulls until you have chosen a term sheet.

No single industry defines Phoenix, but the metro's growth trajectory means most of our Valley book is funding operators who are scaling faster than their banks can keep up with.

Healthcare and dental

Independent and group medical practices, dental offices, urgent care, ambulatory surgery centers, behavioral health, and specialty clinics across the Valley. Build-outs, equipment, insurance-receivable bridges, and partner buy-ins. One of the deepest segments in our Phoenix book.

Construction and trades

GCs, subs, electrical and plumbing contractors, residential builders feeding the suburban expansion across Buckeye, Queen Creek, and Surprise, and commercial builders across the Valley. Mobilization capital and lien-bridge positions.

Real estate and property services

Brokerages, title companies, property managers, building-services firms, and the contractors supporting one of the most active residential markets in America. Bridge capital and commission-cycle bridges.

Hospitality, resort, and wellness

Scottsdale and Paradise Valley resort hospitality, spa and med-spa operators, golf-services firms, and the broader luxury wellness economy. Seasonal bridge capital and equipment.

Technology and semiconductors

The TSMC and Intel supply chain, semiconductor-equipment vendors, materials suppliers, IT services around the corridor, and the broader Phoenix and Scottsdale SaaS base. Growth capital and equipment.

Logistics and distribution

Freight brokers, trucking fleets, and warehouse and 3PL operators across the I-10 corridor and out to Buckeye and Goodyear. Equipment financing and capacity expansion.

Restaurants, bars, and food service

Old Town Scottsdale nightlife, Downtown Phoenix new-builds, Roosevelt Row independents, Tempe campus-adjacent dining, and the resort-restaurant ecosystem. Equipment, build-outs, and seasonal capital.

Auto and recreation

Independent dealers, repair shops, RV and powersports dealers, and the recreation-services economy that runs heavy in the Sun Belt.