Funding Your Future

Easy Borrowing
No Property Collateral Needed

Fast Turnaround
Get Your Loan in 5-7 Days

Doorstep Service
Help at Every Step of the Way

Lives Impacted
Happy Customers
New Jobs Created
Crores Disbursed
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Kinara Capital is the leading provider of small business loans in the range of Rs. 2-25 lakhs to the manufacturing sector in India, without taking any land or property collateral. 


Kinara Capital transforms lives, livelihoods and
local economies by providing loans without property collateral to small businesses in India

With 90 offices across western and southern India, we help our customers at every step of the loan process by offering doorstep service and personalized support in their preferred languages. Our process is fast, reliable, transparent. And, we are fully digital with a paper-free process. We look at more than credit history, we combine data science with a human touch. 

Kinara Capital empowers small business entrepreneurs to realize their dreams!

leadership team

Hardika Shah

Founder & Chief Executive Officer

Jijy Oommen

Chief Technology Officer

Thirunavukkarasu (Thiru) R.

Chief Operating Officer

Aiswarya Ravi

Chief Financial Officer

Our Products

We help small businesses grow by offering the following options

asset Purchase

We offer a term loan for purchase of new or used machinery or other assets for business expansion.

Tenure: 24-60 months
Rates: 26-28% per annum
on a reducing balance basis


Working Capital

We offer a term loan for working capital needs for business growth. 

Tenure: 12-60 months
Rates: 26-28% per annum
on a reducing balance basis



Line of Credit

We offer a line of credit for working capital needs of your business

Tenure: 3-12 months
Rates: 26-28% per annum
on a reducing balance basis

Our Partners

Meet our Customers

We look at more than just credit history. We combine data science with human touch.

We are confident lenders because we know our customers will remit their payments.
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in the news


Kinara Capital has 90 locations across Karnataka, Andhra Pradesh, Tamil Nadu, Telangana, Puducherry, Gujarat, and Maharashtra. 

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