Our Approach :
Balancing Social Impact with Sustainable Growth
Revolutionizing Access to Credit for MSMEs
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.
Unlocking last-mile
lending
Driving credit access and financial inclusion for MSMEs.
Blending high tech and
high touch
Cutting-edge technology combined with in-person support.
Offering seamless
accessibility
Expedient Omnichannel Customer Service in vernaculars.
Disrupting lending
with tech
Digitized LOS & LMS for seamless processing and shorter TAT.
Upholding a Strong
ESG focus
Sustainable impact-oriented approach aligned with global standards.
Partnering for Rapid
Growth
Leveraging strategic partnerships to create new access points and expand reach.
Leading with Tech-Enabled Processes
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.
Creating Consistent Value
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.
Collaborating with Mission-aligned Investors
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.