Access up to $5 million with low rates, long terms, and government guarantees. SBA loans offer the most favorable terms available for small businesses.
The best rates and terms available, backed by the U.S. government.
Competitive interest rates typically ranging from 7-9%, significantly lower than alternative financing.
Repayment terms up to 25 years for real estate and 10 years for equipment, reducing monthly payments.
Up to 85% government guarantee means lenders can offer better terms with reduced risk.
The most popular SBA loan program. Use for working capital, equipment, real estate, refinancing, or acquisitions.
Up to $5 million
Up to 25 years
As low as 10%
Designed for purchasing commercial real estate or large equipment. Features fixed rates and very long terms.
Up to $5.5 million
10-25 years
10%
Faster approval process with same-day decisions. Ideal for smaller, time-sensitive needs.
Up to $500,000
Up to 10 years
24-36 hours
SBA loans have specific eligibility criteria set by the government.
An SBA loan is bank financing partially guaranteed by the U.S. Small Business Administration, which lets lenders offer lower rates and longer terms than conventional debt. The 7(a) program funds working capital, acquisitions and refinancing up to $5 million; the 504 program funds real estate and heavy equipment.
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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