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 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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