We focus on democratizing access to business credit through collateral-free loans, while achieving sustainable growth and social impact. By leveraging a high-tech, high-touch model, we combine the best of technology with omnichannel customer service. Since our inception in 2011, our scalable business model has enabled us to support over 1 lakh MSMEs, creating meaningful change through last-mile financial inclusion.

We have digitized our loan application process end-to-end and introduced the multilingual myKinara App, which allows entrepreneurs to check their eligibility in just one minute and apply for a loan at their convenience. Our fully automated loan decisioning process, powered by proprietary AI/ML algorithms, leverages our extensive data repository to eliminate bias and reduce TAT to 24 hours, making credit decisions faster and fairer.

We have consistently created value for partners and stakeholders, while steadily scaling operations. We achieved profitability for 9 consecutive years through a balanced business model and a mission-driven approach.

We partner with equity investors who share our mission of fostering financial inclusion and supporting underserved MSMEs. Our collaborations have a long-term view of unlocking the massive market opportunity in India's MSME sector and driving socio-economic impact at scale.