Why Consider A working capital loan? 

Working capital is the money used to cover all of a company's short-term expenses, which are due within one year. Working capital is the difference between a company's current assets and current liabilities. Working capital is used to purchase inventory, pay short-term debt, and day-to-day operating expenses. We provide such capital. Give us a call today!

Business Flexibility
Kala Group Capital originated loans can be used for any business purpose, unlike business loans provided by traditional lenders  which often have restrictions on use associated with them.

With competitive business loan rates and a variety of terms and payment plans available, you have the ability to build out a loan product that is created specifically for your business needs.

Wallet-Friendly
Competitive rates mean you might end up paying less than a traditional bank loan, keeping more of your hard-earned revenue in your business account, not ours.

With a range of payment terms available, we will work with you to build a payment plan that works with the ebb and flow of your business revenue.
Time Sensitive
Additional bandwidth and free time are not a perk that comes with running a small business; so we established an underwriting process that requires minimal documentation for approval.

With an expedited underwriting process, you can receive approval in as little as four hours and have the funds in your bank in less than three days, so you can get the working capital you need quickly and securely.




Our working capital products

Product Details


  • $ LOAN AMOUNTs
  • repayment Term
  • Interest Rate
  • lender requirement
  • closing fees
  • payment frequency
Term Loan


  • $15,000 - $250,000
  • 12 - 48 Months
  • 11.24% - 26.99%
  • UCC-1 lien on loans greater than $50K
  • 5% Origination Fee
  • Semi Monthly
Fee Based Line of Credit


  • $20,000 - $100,000
  • 12 - 24 months
  • 1.00% - 1.80% Fee Basis
  • ucc-1 lien on loans greater than $50k
  • $500 Commitment fee
  • monthly

Working Capital Offer Strategy


Use funds for any Purpose

Funds Can Be used for any business purpose - inventory, equipment, marketing, payroll, or other expenditures.

Get funds quickly

Funds are available as soon as the next business day.

Frequently Asked Questions


What documents are required to get a decision on an application?
  • Our Working Capital underwriting offers decisions instantaneously with no credit documentation.
  • Requested amount less than $10k: Last (3) months of business bank statements.
  • Requested amount of $101K to $199K: Last (3) months of business bank statements, last year's tax return, (YTD) Year to Date P&L, (YTD) balance sheet, and debt schedule.
  • Requested amount greater than $250K: Last three (3) months of business bank statements, most recent personal tax return, business tax returns, YTD P&L, balance sheet, ad debt schedule

Can I prepay the loan or line of credit?

YES, without penalty

Does applying affect a customer's credit score?

No, it does not. A soft pull from Equifax is done.

How quickly will the customer receive their funds?

Customers can receive funds as quickly as the next day. Kala Group Capital's cut-off is 3 PM EST and will be added to the next ACH batch.

What are Working Capital requirements?

  • Minimum FICO: 660
  • Prohibited industries: Beverages and tobacco Manufacturing, Chemical Manufacturing, Chemical Manufacturing, Motor Vehicle Dealerships, Institutions/Lenders, Securities, Insurance Carriers, and Non-Profits.
  • Restricted States: Nevada.
  • Annual Revenue: $100,000.
  • Tie in Business: 1 Year
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Do You Qualify For A  Loan?

Qualifying for Working Capital through KALA GROUP CAPITAL is easier than you think! Depending on the amount you are looking to secure, there are minimum criteria that you must meet (perfect credit not required!), including


You must have a personal FICO credit score of at least 660.


Your business needs to have been operating for at least 3 years. Although Start-Ups are invited with a personal guarantee.


You need to have a minimum of $25,000 in monthly revenue.


Kala Group Capital products vary by state, so Working Capital may not be available to everyone. Not to worry! We have a product for every business in every state.  We finance some of our own loan products and partner with other lenders to finance other loan products. Please contact a Kala Group Capital Specialist to discuss your particular circumstances.

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