Kala Lending Services

We want to be your one stop shop to help you in meeting your goals for
almost any type of loan that you may need.

Commercial Real Estate

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We do not charge upfront fees!

Medical Facilities

Loans for medical facilities offer a valuable financing option for healthcare providers seeking to invest in the latest medical technologies, upgrade equipment and facilities, or expand their services to meet growing patient demands. These loans can be used to purchase medical equipment, renovate facilities, hire staff, or cover other operational expenses. By leveraging loans, healthcare providers can improve patient care, attract and retain top talent, and stay competitive in an ever-changing healthcare landscape. However, it is essential to work with reputable lenders who understand the unique needs of medical facilities and can provide flexible repayment terms, competitive interest rates, and personalized support throughout the loan process.


Loans for restaurants offer a crucial source of funding for restaurant owners looking to start or grow their businesses. These loans can be used to finance a wide range of expenses, such as purchasing equipment, leasing or renovating space, hiring staff, or marketing the restaurant. By leveraging loans, restaurant owners can increase their chances of success, expand their customer base, and improve their overall profitability. However, it is important to carefully assess the risks and benefits of taking on debt and to work with reputable lenders who understand the unique challenges of the restaurant industry and can provide tailored financing solutions to meet your specific needs.

Gas Station

Loans for gas stations are a vital financing option for gas station owners seeking to upgrade their facilities, purchase new equipment, expand their services, or invest in marketing and advertising. These loans can also be used to cover other operational expenses, such as payroll or inventory costs. By leveraging loans, gas station owners can improve their customer experience, increase their revenue streams, and stay competitive in the highly dynamic and rapidly changing gas station market. However, it is important to carefully assess the risks and benefits of taking on debt and to work with reputable lenders who understand the unique challenges of the gas station industry and can provide customized financing solutions to help you achieve your goals.


A rehab loan, also known as a renovation loan or a home improvement loan, is a type of loan that provides financing to homeowners for making repairs or upgrades to their property. This type of loan is often used by homeowners who want to renovate their home or make necessary repairs, but do not have the funds to pay for the project upfront. Rehab loans can be secured or unsecured, and the interest rates and terms of the loan will depend on the lender and the borrower’s credit history. Some common types of rehab loans include FHA 203(k) loans and Fannie Mae Home Style renovation loans. These loans are popular because they allow homeowners to finance the cost of home improvements into their mortgage, which can be more affordable than taking out a separate loan for the project.

Fix & Flip

A Fix & Flip loan is a type of short-term financing used by real estate investors to purchase and renovate a property with the intention of quickly selling it for a profit. The loan is typically used to cover the purchase price of the property as well as the cost of renovations. Fix & Flip loans usually have higher interest rates and shorter repayment terms than traditional mortgage loans, reflecting the higher risk associated with this type of investment. However, they can be a valuable tool for investors looking to capitalize on opportunities in the real estate market.

Cash Out Refinance

A cash-out refinance is a financial strategy where a homeowner refinances their existing mortgage for more than the amount owed, and then receives the difference in cash. This type of refinance allows homeowners to access the equity they have built up in their home, which can be used to pay off high-interest debts, fund home renovations, or make other large purchases. The new mortgage typically has a higher interest rate and a longer repayment term than the original mortgage, so it’s important to carefully consider the long-term financial implications of a cash-out refinance. However, for homeowners who need access to cash and have built up significant equity in their home, a cash-out refinance can be a useful tool for achieving their financial goals.