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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 4,500+ 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
  • Machinery 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 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.

    IMPORTANT: Do not give money to anyone for loan approval or loan processing. Kinara Capital representatives will NOT ask for a commission or payment to process your loan application. For any concerns, email us at [email protected].

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

“After we got the first loan, we kept growing, and our workforce expanded to 50! Kinara has been the most important factor in our success.”

Read Full Story
Karthikeyan AS
Karthikeyan AS
ASK Three Star Steels

“We got the funding from Kinara to install a powder coating unit, which triple our turnover from Rs. 1 to Rs. 3 crores a year!”

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
  • 4,000+ Cr

    Loans Disbursed

  • 50,000+

    Happy Customers

  • 133


  • 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.

April 11, 2022

Meet the winners of Women in AI Leadership Awards at The Rising 2022

Our Founder and CEO Hardika Shah is a winner at the "Women In AI Leadership…

Read More

April 1, 2022

FT ranking: Asia-Pacific High-Growth Companies 2022

Kinara Capital was featured in Asia-Pacific High-Growth Companies 2022. This fourth annual ranking of 500…

Read More

April 1, 2022

India’s Growth Champions return to the spotlight

Kinara Capital was featured in the Economic Times India’s Growth Champions 2022 list for the…

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April 1, 2022

Meet the Fintechs in Financial Times’ Top 500 High-Growth APAC Companies

The article highlights the Financial Times' fourth annual ranking of growth champions in Asia-Pacific (APAC).…

Read More

March 25, 2022

What Is Loan Against Collateral And How To Get One?

In an exclusive article, our Founder and CEO, Hardika Shah shares insights on how to…

Read More
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Frequently Asked Questions


View All
  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.


This is to inform you that Kinara Capital Private Limited, CIN No. U74899KA1996PTC06858, is an NBFC registered with the Reserve Bank of India (RBI) with its headquarters at 50, 100 Feet Road, Indiranagar, Bangalore - 560038. We have been informed that some unscrupulous persons are trying to misuse the Company’s name to mislead the public as a representative of the company and offering a physical cheque for business loan, or personal loan, car loan, etc.

Our officials will never ask you to meet in any outside location that is not your place of business or the official Kinara branch. Our officials will not ask for payment of any money / bribery to provide a loan.

We therefore advise the general public to not believe such fraudulent advertisements / SMS that lead to cyber fraud and if someone asks for money /bribe to provide you a loan, please do not engage with them. The company will not be liable for any loss caused on account of dealing with such unauthorised officials.

For reporting such incidents, please write to us along with details at [email protected] or call our tollfree number 18001032683 (Mon-Fri from 9:30 a.m.-6:00 p.m.).