Get immediate working capital repaid automatically from a percentage of your daily credit card sales. Perfect for businesses with consistent card transactions.
Fast funding with flexible repayment tied to your sales.
Get approved in hours and funded within 24-48 hours. The fastest way to access business capital.
Repayment adjusts with your sales. Pay more when business is good, less when it's slow.
Based on your credit card sales, not your credit score. Bad credit? No problem if you have steady sales.
Provide basic business information and 3-6 months of credit card processing statements.
We analyze your sales patterns and provide an offer within hours, typically same day.
Once approved, funds are deposited directly into your business account within 24-48 hours.
A small percentage of your daily credit card sales automatically goes toward repayment.
Advance Amount
Time to Funding
Typical Term
Simple requirements focused on your sales.
A merchant cash advance is the purchase of future receivables at a discount, repaid through a fixed daily or weekly debit. Kala does not place merchant cash advances. This page exists as an educational reference so operators can evaluate offers they receive elsewhere and understand the true cost.
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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Client Responsibilities. Clients are responsible for providing complete and accurate information and for making all final business, financial, legal, tax, and investment decisions. Clients are encouraged to consult their own licensed legal, tax, accounting, and investment professionals before implementing any strategy or entering into any transaction.
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