SBA 7(a) + Working Capital LOC
$3.5M
Manufacturing client, regional bank
Prepared the package and introduced the client to a regional bank. Closed a $2M SBA 7(a) term loan and a $1.5M working capital line of credit.
Expert guidance to connect you with the right lending partners. We arrange financing that fuels your business growth.
We simplify the complex world of business capital so you can focus on what matters.
Tell us about your business and your goals. We present your information to our network of 75+ lending partners.
We work to match you with the right financing partner and product for your needs, helping you understand every option.
Once you feel confident about your choice, your funding can hit your bank account as soon as the next business day.
From short-term cash flow to long-term investments, we can help connect you with the right lending solution for every stage of your business.
Turn your unpaid invoices into immediate working capital without waiting for customers to pay.
We help connect you with partners offering equipment financing solutions for the tools, vehicles, or machinery your business needs.
Government-backed loans offering some of the lowest rates and longest terms available.
Standard term loans providing a lump sum of cash upfront for any business purpose.
Flexible access to funds. Draw what you need, when you need it, and only pay interest on what you use.
Advisory for securing long-term capital for purchasing, renovating, or refinancing commercial real estate.
Connect with funding solutions specifically designed to help new businesses get off the ground.
Get an advance on your future sales for quick cash flow needs, repaid via a percentage of daily sales.
Non-dilutive and traditional funding built around streaming, publishing, live, brand, and NIL income. Keep ownership.
Hundreds of thousands of businesses have found funding through Kala's marketplace.
"Oftentimes when you start trying to get a loan from a bank, you think to yourself, 'this is going to be months.' With Kala, it happened within days."
Client perspective
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A business owner’s perspective on moving from preparation to a timely capital decision.
Quickly estimate your funding options. Kala's proprietary AI model analyzes recently funded deals to estimate offers tailored to your business profile.
Tips and guides to get you loan ready.
Preparation
5 MIN READ
SBA
5 MIN READ
Credit
5 MIN READ
Comparison
5 MIN READ
Capital access in action
SBA 7(a) + Working Capital LOC
$3.5M
Prepared the package and introduced the client to a regional bank. Closed a $2M SBA 7(a) term loan and a $1.5M working capital line of credit.
Business funding options fall into five practical categories: SBA and bank term debt for long-term investment, revolving lines for working-capital timing, equipment financing for assets, receivables financing for reimbursement lag, and equity for long-horizon bets. The right choice follows the use of proceeds.
Kala Financial LLC is a business advisory and consulting firm and is not a law firm, CPA firm, registered investment adviser, broker-dealer, lender, or insurance carrier. Services are provided only under a written engagement agreement, and all credit decisions are made solely by lenders and capital providers.
Important Disclosure. Kala Financial LLC, a Hawaii limited liability company registered as a foreign limited liability company in the State of California ("Kala Financial"), is a strategic advisory and consulting firm. We provide financial strategy, capital advisory, transaction support, and operational consulting services solely pursuant to a fully executed written engagement agreement. Kala Financial supports clients nationwide and conducts a substantial volume of business in California.
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Our Role in Financing Transactions. Kala Financial acts in an advisory and preparation capacity. We assist clients in organizing financial information, developing lending narratives and materials, and evaluating potential capital structures and providers. We do not lend, underwrite, issue, or fund financing. All credit decisions, including approval, loan amount, pricing, structure, and timing, are made solely by lenders and capital providers in their discretion. Kala Financial does not guarantee loan approval, funding, credit decisions, investment performance, or any transaction outcome.
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