Through our extensive network of lenders, we connect you with a wide range of financing solutions, including SBA 7(a) and 504 Loans, Equipment Financing, Working Capital Loans, Acquisition & Expansion Loans, and other unique solutions to meet your needs. Our expertise lies in matching your business with the right loan type and terms.

No, Kala Financial is not a direct lender. We work as your advisor, leveraging our vast network of trusted lenders to find financing options that align with your business’s unique needs and goals. This lender-agnostic approach ensures you receive the best available terms without limitations.

Yes! We guide you through the SBA loan process, ensuring your business meets the key qualifications for SBA 7(a) and SBA 504 Loans. Our advisors handle document preparation and guide you step-by-step to improve your chances of approval.

Not at all. Our approach is entirely bank-agnostic, allowing us to work with a range of lenders, whether they’re new to you or part of your existing banking relationships. We prioritize finding the best solution, not tied to any specific institution.

Timelines depend on loan type, lender, and application details. Your ability to provide your lender with the required documentation can also have an impact on timing. We work with you, your accounting team, CPA, and other support personal to gather the neccessarry information and move your application towards funding.

Our services benefit a wide range of businesses, from startups to established companies and nonprofits. Whether you’re seeking working capital, funding for equipment, or financing for growth, our team connects you with lenders suited to your industry and stage of growth.

Equipment Financing lets you spread out the cost of machinery, vehicles, or technology to protect cash flow. Through our network of lenders, we secure competitive rates and terms tailored to your industry’s specific needs.

Not all startups are created equal, and financing options depend on various factors like revenue, cash flow, and business model. We support founders with a holistic approach, often creating a pathway toward funding if immediate approval isn’t possible. Our ultimate goal is to enhance cash flow—whether you’re just starting out or an established business seeking growth.

Requirements vary, but lenders generally look for financial statements, business revenue, and credit information. Kala Financial’s advisors help streamline your preparation, ensuring you have everything needed for a smooth application.

Absolutely. We guide you through exploring multiple financing options, creating a strategy that aligns with your business’s unique cash flow and growth needs. Each loan should be tailored to its specific purpose: for instance, equipment loans should match the useful life of the asset, ensuring payments align with the asset’s value over time. Short-term loans are ideal for immediate needs, while a working capital line supports operations, allowing funds to be drawn as needed and repaid as receivables come in. Real estate loans for properties occupied by the business often feature longer terms and amortization periods, aligning with the asset’s long-term utility. Our goal is to help structure a blend of financing that best supports sustainable cash flow management and growth.