We have a HerVikas event coming up! Learn More

Unsecured Business Loans in 24-hours

RBI registered company

Grow fast with Business loans from us!

Kinara’s collateral-free business loans are aimed at providing fast access to funds for MSMEs. We provide doorstep customer service and our business loans process requires minimum documentation.

Our fully digital process can go from loan decision-to-loan disbursement within 24-hours. Check your eligibility in a minute!

Tenure

12 to 60 months

Loan Amount

₹ 1 Lakh- ₹ 30 Lakhs

Interest Rate

Starts at 24%

(On a reducing rate basis)

Why choose Kinara Capital?

Get MSME loans from ₹1 lakh to ₹30 lakhs with a digital-first process in your preferred language.

CHECK ELIGIBILITY

Fast

Get your loan in just 24-hours

Flexible

Minimal and flexible documentation process

Friendly

Doorstep customer service to help you from start to finish

Business Loan EMI Calculator


₹1 lakh ₹30 lakhs
6
6 months 5 years
24%
24% 30%
17,853

Monthly EMI

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!

Hiren Radadiya
Sri Aarusuvai Food Products
Kinara Capital’s loans of Rs. 2 lakhs and Rs. 10 lakhs helped me expand my business, increase production, and grow my turnover to Rs. 2 crores with 30 employees.

Arjun Singh Rajput
Sri Aarusuvai Food Products
Kinara Capital believed in my business when others didn’t. Their Rs. 6 lakh loan helped me invest in new machinery, turn things around, and watch my business grow.

Sandeep Shewale 
Sri Aarusuvai Food Products
Kinara’s quick, hassle-free loan helped me buy new equipment, expand my team, and grow my business. I’m grateful for their support.

SIMPLE STEPS

How to apply for business loan?

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!
CHECK ELIGIBILITY

More about business loan

BUSINESS LOAN

What is a business loan?

Business loan is a form of financing that entrepreneurs can access to invest in their venture. Since capital is one of the most important elements required to start and run a business successfully, one of the top priorities of any entrepreneur is raising capital. However, the system is skewed against small business owners, since they typically start off with a small amount of capital, often out of their own savings. They also struggle to find funding from other sources. In such cases, loans can be extremely useful, but here too, small business entrepreneurs encounter a host of issues. Traditional lenders are risk-averse, and shy away from issuing loans to small businesses, which they consider to be high-risk.

Kinara Capital has stepped in to bridge this credit gap by providing fast, flexible and collateral-free loans to small business entrepreneurs. The loan can be used for various purposes such as expanding the business, buying more machinery, or covering day-to-day business expenses. These loan interest rates can vary depending on the purpose and tenure of the loan, as well as the lender’s policy and the borrower’s credit history. Kinara Capital’s online loans can be accessed quite easily and with minimal documentation within 24 hours.

ELIGIBLITY CRITERIA

Eligibility Criteria for a business loan

To avail of a these loan from a particular lender, you must first ensure that you meet their basic eligibility criteria. These conditions vary from lender to lender, and in order to qualify for a business loan from Kinara, you need to meet the following criteria: 

  • Your business should be part of the manufacturing, trading or services sector.

  • The pin code should be one where Kinara Capital is already offering services.

  • Total monthly turnover should be greater than Rs. 50,000 and less than Rs. 4 crores.
  • The business should fall under the list of sectors and sub-sectors serviced by Kinara.

BENEFITS

Benefits of Business Loans

It offers a range of benefits to entrepreneurs, including:

•They allow entrepreneurs to access the capital they need to expand their business, without worrying about falling short of funds.

• They facilitate making the most of business opportunities as they arise, like servicing large orders.

• Online loans from Kinara Capital have a very short turnaround time, and can help small business owners when they need capital in short order.

WHY KINARA

Why should you Get a Business Loan from Kinara Capital?

With a fully digital process, we can disburse loans within 24 hours. We have a hassle-free and transparent process to provide you support in your regional language during the entire process. Kinara Capital is an RBI registered company and we have successfully disbursed these loans to more than 86,000 MSMEs.

Business Loan

When should you opt for a business loan?

Here are the top reasons you should opt for a business loan:
  1. To buy/upgrade machinery: Whether it is investing in new expensive machinery to increase your production output, or to upgrade existing machinery, you need capital to grow your business. These are major investments that call for capital, and a business loan from Kinara Capital can be the perfect solution.
  2. To cover day-to-day expenses: A working capital business loan from Kinara Capital can help you take care of your everyday business expenses, so that you can focus on your business growth plans. You can utilize these loans for a wide range of expenses like paying bills and overheads and purchasing raw materials.
  3. Growing business presence: MSMEs can expand their presence by opening new outlets in different markets or improving their current manufacturing units. Kinara’s business loans can help them invest in expanding their business.
  4. To buy raw materials/stock: Business loans can be utilized to purchase raw materials or stock for a business. This helps the business stay on top of orders and purchases, without missing out on opportunities to turn a profit. With capital in hand, MSMEs can also make bulk purchases, which can help them reduce costs by availing discounts.

Types of Business Loan

Types of Business Loans available from Kinara Capital

Machinery Loan:

Kinara Capital offers machinery purchase loans, enabling MSMEs to acquire both new and old equipment. These loans help businesses increase productivity and improve product quality. Business owners can borrow up to ₹30 lakhs with a streamlined application process available on the myKinara app, which ensures quick disbursement, within 24 hours. The loan repayment is structured in easy installments, and the purchased machinery itself serves as collateral for the loan​

Business Loan for Women (HerVikas):

The HerVikas program is a unique initiative designed to empower women entrepreneurs by providing them with access to affordable and timely business loans. The HerVikas Program offers various benefits to women-owned MSMEs, including an upfront discount of up to 1%, a 2-month repayment holiday, and a 50% reduction in processing fees. Under the program, women entrepreneurs can access collateral-free loans with flexible tenures ranging from 12 to 60 months and loan amounts between ₹1 lakh and ₹30 lakhs.

Working Capital Business Loan:

Kinara Capital offers flexible working capital business loans designed to meet the diverse needs of MSMEs. Short-term working capital business loans are ideal for businesses looking to manage immediate cash flow gaps, inventory purchases, or day-to-day operational expenses, helping them stay agile and efficient. With a collateral-free approach, Kinara ensures quick access to capital, enabling MSMEs to thrive without unnecessary delays.

PROCESS

How can I apply for a business loan from Kinara Capital?

You can apply for a it online with a 1-minute eligibility check. If eligible, a Kinara loan officer will get in touch with you as soon as possible to complete the rest of the requirements in your preferred language. Now you can also download the myKinara app and take the eligibility check on it. If you qualify, you can complete the application process using the app.

DOCUMENTS REQUIRED

Documents Requirement for a Business Loan

Traditional lenders like banks typically have a very intensive and tedious documentation process. However, new-age lenders like Kinara have come up with data-led ways to gauge creditworthiness, therefore reducing the need for extensive paperwork. Kinara has a simple and minimal documentation process, and offers the option to substitute certain documents for others, based on availability. To apply for business loan from Kinara Capital, you will need just the following documents:

  • Applicant, co-applicant and business KYC documents (ID and address proof)
  • Applicant’s PAN card
  • Business registration document
  • Last 12 months’ bank statements

Instant Business Loans in your city

Kinara Capital provides flexible, tailored business loans. Now that you understand what a business loan entails, here’s a look at who can qualify for a Kinara Capital business loan.

Business Loans in
Bangalore

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in 
Mumbai

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Ahmedabad

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Hyderabad

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Pune

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Vizag

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Chennai

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Coimbatore

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Kalaburagi

Get Unsecured MSME loan in just 24-hours
Learn More

Business Loans in
Surat

Get Unsecured MSME loan in just 24-hours
Learn More

Frequently asked questions

VIEW ALL
VIEW ALL

Get myKinara App

Scan the QR code to download the app

Become a partner

Business Loans