Industries / Franchise

Capital for
franchise owners.

A registered franchise brand gives lenders something an independent startup cannot: documented investment ranges and a proven model. We use that to build a fundable file across SBA, equipment and working capital sources.

Concepts we fund.

We check your brand against the current SBA Franchise Directory before you apply.

Quick service and fast casual restaurants

Fitness, recovery and boutique studios

Home services and trades

Automotive service and repair

Childhood education and enrichment

Senior and home care

Health, med-spa and wellness

Business and staffing services

The short answer

Franchise funding is financing structured around a franchise system rather than an untested startup. Because the brand has a track record and documented unit economics, lenders will underwrite a first unit on the franchisor Item 7 investment range, the franchise agreement and the operator background, most often through SBA 7(a) with a 10 to 20 percent equity injection.

Frequently asked questions

Is a franchise easier to finance than an independent startup?

Usually yes. A registered franchise brand gives underwriters documented investment ranges, a proven operating model and, in many systems, historical unit performance, which removes much of the guesswork that makes independent startups hard to approve.

Does the brand need to be in the SBA Franchise Directory?

For SBA financing the brand must have a valid SBA franchise identifier code on file. Our intake checks the current directory as you type the brand name so you know before you apply. Brands outside the directory can still pursue conventional, equipment or unsecured structures.

What can be financed inside a franchise project?

The franchise fee, real estate and build-out, equipment and signage, opening inventory, grand opening marketing, training and opening payroll, and a working capital reserve. Lenders want the whole project funded, not just the fee.

For franchisors

Growing your franchise base?

We help franchisors keep signed deals on schedule by pre-qualifying candidates and arranging their financing. Tell us about your system and we will build a support path for your pipeline.

Know your number before you sign.

Build your full project cost in a few minutes and see the financing gap you actually need to cover.

Important disclosures

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.

Not a Licensed Professional Services Firm. Kala Financial is not a law firm, certified public accounting firm, registered investment adviser, securities broker-dealer, lender, or insurance carrier. We do not provide legal, tax, audit, attestation, investment advisory, or securities brokerage services, and nothing on this website should be construed as such.

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.

Third-Party Compensation. Kala Financial may receive referral fees or other compensation from lenders, capital providers, or service partners in connection with introductions, referrals, or completed transactions. Any such arrangements do not increase the cost of services to the client unless expressly disclosed in the client's engagement agreement.

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