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Our Promise

Collateral-free Business Loans

Small Business Owners can get fast & flexible loans from ₹1 lakh to ₹30 lakhs with a digital-first process in their preferred language.

  • Disbursement in 24hrs

    Loan Disbursement in 24-hours

  • Disbursement in 24hrs

    Minimum Documentation for 300+ sectors

  • Disbursement in 24hrs

    Doorstep Customer Service in 3000+ pincodes

Our Products

Grow Your Business
with Kinara

We provide a range of business loans for MSMEs with a transparent and secure process.

    Her vikas
  • HerVikas

    Our HerVikas program offers an automatic discount to women entrepreneurs. No separate documentation required.

    More Details
    • Raw Materials Purchase
    • Stock Purchase
    • Machine Purchase
    • Machine Repair
    • Business Premises Renovation
    • General Business Expenses
    • Supplier Payments
    • Product / Market Expansion
  • Her vikas
  • Asset Purchase

    Buy a new or a second-hand machine to increase turnover and manufacturing productivity.

    More Details
    • New Machine Purchase
    • Second-hand Machine Purchase
  • Her vikas
  • Working Capital

    Expand your business rapidly by financing your operations with flexible working capital loans.

    More Details
    • Stock Purchase
    • Business Premises Renovation
    • General Business Expenses
    • Invoice Financing
    • Purchase Order Financing
    • Product / Market Expansion
Our Process

Get a myKinara
business loan in
3 easy steps!

All you have to do is enter a few details and upload your documents to our secure online portal. We’ll take care of the rest!

  • How it works illustartion
    1. Fast eligibility check

      Find out if your business is eligible in just 1 minute! Available in 7 languages. Zero document upload required for eligibility check.

    2. Secure KYC & income verification

      Provide your personal & business documents. Fully secure online portal with easy upload. Help is at your fingertips with chat or call.

    3. Quick loan disbursement

      Get money in your account within 24 hours! Digital loan approval with electronic bank deposit.

Hear from our Happy Customers

Meet our VikasChampions

With their grit & perseverance, small business owners go on to create local jobs and grow India’s economy. Here’s what they have to say about us!

Iswarya and Mohan Babu
Iswarya and Mohan Babu
Mukund Automats

“Kinara has been the most important factor on our growth and success. Once we got the first loan, we started expanding our business and never…

Read Full Story
Karthikeyan AS
Karthikeyan AS
ASK Three Star Steels

“We got the funding from Kinara to install a powder coating unit. This improved our product and tripled our turnover from Rs. 1 crore to…

Read Full Story
GainUp Designs

“Nobody was interested in giving us a loan in the early stages of the business except for Kinara. With the loan, we bought an imported…

Read Full Story
Amar Singh
Amar Singh
Sai Balaji Electronics

“Kinara is like my best friend. With their support I have doubled my turnover and improved my life.”

Read Full Story
Our Milestones
  • 3,000+ crores

    Loans Disbursed

  • 40,000+

    Happy Customers

  • 110


  • 250,000+

    Jobs Supported

  • $100 Million

    Generated for MSMEs

  • 1 Million

    Lives Impacted

About Us

Funding India’s Inspiring Small Business Entrepreneurs

We are a socially responsible fintech making it possible for small business entrepreneurs to bring economic prosperity in their communities with income generation and job creation.

Awards & Accolades

Our Recognitions

In The News

We are being noticed

Our voice and our work is often recognized for our commitment to financial inclusion.

March 5, 2021

Hardika Shah, Kinara Capital CEO: A Fortt Knox Conversation

Kinara was born out of a need to bridge the widening credit gap in India,…

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October 13, 2020

Kinara Capital Loans Advance Small Businesses in India

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March 9, 2021

Indian fintech firm Kinara Capital bags $7m in funding for women entrepreneurs

Bengaluru-based digital lending company Kinara Capital has raised $7 Mn (INR 52 Cr) for its…

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March 8, 2021

How Kinara Capital’s Hardika Shah was inspired to help small business entrepreneurs dream big

Read here about making the most of opportunities, being true to oneself, and creating impact…

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March 8, 2021

Kinara Capital Secures USD 10 Million from IndusInd Bank with 100 Percent

Kinara Capital Secures USD 10 Million from IndusInd Bank with 100 Percent Guaranty from U.S.…

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March 29, 2021

The Small Business Saviour

This feature by Entrepreneur India Women’s special issue highlights how Kinara Capital is solving the…

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Frequently Asked Questions


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  1. What purpose does Kinara Capital serve?

    Our tech-enabled application process and data-led decisioning process enables us to disburse easy business loans much faster and more efficiently than traditional lenders

  2. How does Kinara Capital set itself apart?

    We are dedicated to driving financial inclusion for small business entrepreneurs, by providing collateral-free MSME loans.

  3. How have Kinara customers grown?

    Our customers report a 20-25% income growth with the help of the unsecured loans issued to them. They have also created and sustained jobs, and fortified local economies.