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Loan Application Process Overview

Kala Group Capital specializes in tailored commercial financing solutions, empowering businesses to achieve their growth objectives.

Fast, Flexible Funding for Your Next Commercial Real Estate Investment

Kala Group Capital is proud to introduce our Commercial Real Estate loan offering — purpose-built for experienced investors seeking short-term financing solutions. Whether you’re acquiring, rehabbing, or refinancing a property, our program provides the leverage, speed, and simplicity you need to grow your portfolio.

  • Multifamily
  • Office
  • Mixed-Use
  • Senior Housing
  • Manufactured Housing
  • Industrial

Product Highlights 

Max LTC
(Loan-to-Cost)

Up to 80% 



Max LTARV
(Loan-to-After-Repair-Value)

Up to 70% 



Interest Rates

Rehab/Construction
SOFR+ 6.00% – 7.50%
Stabilization Bridge (Lease-Up, No Rehab)
SOFR+ 4.00% – 5.00%



Origination Fee 

1% - 2% 



Loan Amounts 

$2mm - $15mm 



Term Lengths 

12–24 months 



Lien Position 

1st Lien Only 



No Cash-Out Refinances 




Eligible Transactions


  • Purchases
  • Purchases with Rehab
  • Rate-and-Term Refinances
Eligible Property Types


  • Multifamily
  • Office
  • Mixed-Use
  • Senior Housing
  • Manufactured Housing
  • Industrial

Borrower Requirements 

  • Minimum Credit Score: 680
  • Experience Required: At least 2 years and 5 completed projects
  • Personal Guaranty: Required
  • No Cash-Out Refi Allowed

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Finance $100,000 to $15,000,000

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flix & flip


Funds for purchase + rehab or refinance + rehab

  • Get up to $5,000,000
  • Interest rate 9.25 - 11.25%
  • Origination 1.25 - 1.75%
  • Up to 100% construction


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Rent


30 year fixed product for stabilized properties

  • Get up to $3,000,000
  • Interest rate from 6.00%
  • Origination 0-2%
  • 30-year fixed rate


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ground up


Construction loans for residential builders

  • Get up to $5,000,000
  • Interest rate 10.5 - 11.5%
  • Origination 1.50 - 2%
  • Up to 18 Months


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commercial


Small balance commercial real estate loans

  • Get up to $15,000,000
  • LTC Up to 80%
  • Various property types
  • Loan terms 12 - 24 months


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