Capital for Puget Sound,
at South Lake Union pace.

Seattle is the most tech-concentrated economy in the United States outside the Bay Area. Amazon's South Lake Union footprint and Microsoft's Redmond campus anchor one of the densest software, cloud, and SaaS corridors in the world. On top of that tech base, Boeing has been the foundation of the regional aerospace economy for a century. The Port of Seattle and the Port of Tacoma combine into one of the largest West Coast container gateways. The commercial fishing fleet bases out of Seattle works the Alaska seafood economy. And the coffee and food-service culture that built modern American specialty retail still drives the city's consumer economy. The texture of Seattle business is technically sophisticated, customer-pay-cycle driven, and chronically misread by national underwriting.

Goliath was built to underwrite that complexity. We are headquartered in Miami at 3250 NE 1st Avenue, Suite 307, but our underwriting team works Seattle files every business day on Pacific time. We know the difference between a Bellevue SaaS operator's recurring revenue signature and a Ballard fishing-fleet operator's seasonal deposit pattern. We know which Seattle banks clear ACH same-day. We know how to read corporate-tech-vendor customer-pay cycles and how to underwrite around them. That granular local knowledge separates a structured offer from a generic decline.

Seattle's submarkets, by what they actually need

Downtown Seattle and Belltown carry the legacy corporate, hospitality, and retail base. South Lake Union is the modern tech engine — Amazon, biotech, and the broader corporate-tech corridor — with a fast-growing restaurant, retail, and hospitality cluster around it. Capitol Hill is the city's independent restaurant, bar, and creative-services neighborhood. Pioneer Square carries creative agencies, design firms, and a growing tech base. Ballard has reinvented itself in the last decade into one of the most credible restaurant, brewery, and neighborhood-retail economies in the city.

Fremont and Wallingford carry independent retail, neighborhood restaurants, and the tech-adjacent professional-services base. The University District anchors the UW academic and clinical economy. The Eastside — Bellevue, Redmond, Kirkland — runs the Microsoft corridor, financial services, healthcare, and a deep professional-services base. The Sodo and Georgetown industrial corridors plus the port ecosystem run logistics, manufacturing, and maritime services. Every one of these submarkets sits in our pipeline every month.

What makes Seattle underwriting distinctive

Seattle businesses tend to run on technically sophisticated customer bases — Amazon, Microsoft, Boeing, government grants, university and clinical contracts — that pay on slower cycles than typical commercial customers. The result is a working-capital gap that national lenders running rigid rules misread as weakness. Our underwriting reads the gap correctly. We also calibrate to the real winter shoulder season that affects consumer-services businesses through the dark Pacific Northwest winter. 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 Seattle, even when tech dominates the headlines. Our Seattle book mirrors the metro's breadth.

Tech and software

South Lake Union and Eastside SaaS, IT services, contract development firms, agencies, and the consultancies that serve the corporate tech base. Recurring revenue underwrites cleanly. Growth capital and hiring sprints.

Aerospace and Boeing-adjacent

Aerospace suppliers, machine shops, contract manufacturers, engineering and consulting services, and the broader Boeing supply chain across the region. Equipment financing and customer-pay bridges.

Maritime, fishing, and seafood

Fishing fleet operators, processors, distributors, harbor-adjacent contractors, marine services, and the Alaska-season supply chain. Equipment, mobilization, and seasonal capital.

Restaurants, bars, and coffee

Capitol Hill independents, Ballard restaurants and breweries, Downtown fine dining, Pike Place vendors, and the specialty-coffee roasters and cafe chains that built the modern American specialty market. Equipment, build-outs, and seasonal capital.

Healthcare and dental

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

Logistics and port-related trade

Port of Seattle and Port of Tacoma freight brokers, drayage operators, trucking fleets, and warehouse and 3PL operators. Equipment, fuel bridges, and capacity expansion.

Construction and trades

GCs, subs, electrical and plumbing contractors, and residential builders across the city and the Eastside. Mobilization capital and lien-bridge positions.

Professional services

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