Services / Franchise Financing
Most franchise deals do not fail on the brand. They fail because the project was underfunded at opening. We build the full cost picture, plan the injection, and arrange financing across SBA, equipment and working capital sources.
You have a brand in mind or an FDD in hand and need the full capital stack, not just a loan referral.
Unit two through ten, development schedules, and refinancing early debt into terms that match the portfolio.
Buying an existing unit from a departing franchisee, including seller notes and transfer approvals.
Remodels, relocations, equipment refresh and owner-occupied real estate for units already running.
Most franchise projects use two or three of these together, not one.
We build the real number: fee, buildout, equipment, inventory, marketing, training and a working capital reserve.
Which dollars come from you, which from debt, which from equipment or the seller, and what each costs.
Projections, personal financial statement, franchise documents and forms prepared before a lender sees the file.
Entity, banking, accounting and draw coordination so the funding actually reaches the buildout on schedule.
Franchise financing is the capital stack behind opening, buying or expanding a franchised business. A typical project combines an SBA 7(a) loan for the franchise fee, build-out and working capital, equipment financing for the floor, and a 10 to 20 percent equity injection from the franchisee. Kala structures the file and arranges the financing; lenders make the credit decision.
For franchisors
Candidate funding is the most common reason a signed deal never opens. We work with franchisors to pre-qualify candidates, prepare their files, and arrange financing so your development schedule holds. Tell us about your system and we will build a support path for your pipeline.
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.
Informational Purposes Only. All information, materials, articles, projections, valuations, models, analyses, and forward-looking statements presented on this website are provided for general informational purposes only and are based on assumptions that may change without notice. Actual results may differ materially. Nothing contained on this website constitutes an offer to sell or a solicitation of an offer to buy any securities or financial instruments, nor a commitment to provide financing of any kind.
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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