MSME Business Loans
Collateral-free loans for MSMEs to meet business operations and expansion needs.
RBI registered company
Keeping your business moving
Tenure
12 to 60 months
Interest Rate
Starts at 24%
Loan Amount
₹1 Lakh- ₹30 Lakhs
Fast Processing
Instant Business Loan
Financing for Daily Operations & Business Growth
Purchase of Inventory or Raw Materials
Renovating Business Premises
Employee Salary Payments
Invoice or Purchase Order Financing
Expanding into New Markets or Products
Managing Overheads and Utility Bills
Why choose Kinara Capital?
Get fast, flexible, and collateral-free MSME Business loans of up to ₹30 lakhs with a simple, digital-first process and doorstep service in your preferred language.
Fast
Flexible
Minimal documentation, fully digital
Friendly
Local loan officers for in-person support
Use our EMI calculator to plan your repayment
Business Loans for all MSMEs
We offer collateral-free business loans across key sectors:
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!
More about MSME Business Loan
BENEFITS
Why opt for a working capital loan instead of self-funding?
Are MSME Business Loans truly collateral-free?
ELIGIBILITY
Eligibility Criteria for MSME Business Loans
MSME Business Loan eligibility is determined based on the sector and vintage of the business. In order to be eligible for an MSME Business Loan from Kinara Capital, your business should meet the following criteria:
- Your company should be an MSME operating in the manufacturing, trading, or services sector.
- The business should be in operation for more than 2 years at the time of applying for a loan.
- The total monthly turnover should be greater than Rs. 50,000 and less than Rs. 4 crores.
- Both an applicant and co-applicant are needed to apply for a loan.
- The applicant should be between the ages of 21 and 65 in order to be eligible.
INTEREST RATES
Interest rate and charges on MSME Business Loans
Kinara Capital’s MSME Business Loans offer competitive interest rates and fees to meet the needs of MSMEs. Here are the key details:
1. Interest Rate
Rate Structure: Starting at 24% per annum on a reducing balance basis. This means that interest is calculated on the outstanding loan amount, so as you pay down the principal, the interest cost also decreases, making it more affordable over time.
2. Loan Amount
Range: Loans are available from Rs. 1 lakh to Rs. 30 lakh, allowing MSMEs to access funds for a variety of business operations needs.
3. Repayment Tenure
Term Options: Borrowers can select repayment terms from 12 to 60 months, providing flexibility to align repayments with cash flow and business needs.
4. Processing Fees & Additional Charges
For details on processing fees and additional charges, refer to the Interest rate and charges policy page on the Kinara Capital website.
DOCUMENTS REQUIRED
Documents Required for MSME Business Loan
To apply for an MSME business loan from Kinara Capital, you will need:
- Applicant KYC (PAN required)
- Co-applicant KYC (PAN optional)
- Business KYC document (e.g., Udyam registration)
- Last 12 months of bank statements
- GST returns and ITR (optional)
HOW TO APPLY
How to apply for an MSME Business Loan with Kinara?
Download the myKinara App (Android) or visit our website to check your eligibility in just 1 minute. Prefer personal support? Call our toll-free number 1800-103-2683 to request a visit from a Kinara loan officer.
PROCESS
How can I use MSME Business Loans to grow my business?
MSME loans can support everything from expanding product lines to bridging temporary cash crunches. If you’re paying rent, investing in marketing, or building out a new store section, Kinara’s loan can power your plans without disruption.
Frequently asked questions
VIEW ALLWhat documents do I need for a business loan application?
You’ll need a few basic documents to apply, including your KYC (PAN), business KYC (such as Udyam registration), your last 12 months’ bank statements, and optionally, GST returns or ITRs if available. Keeping these ready will help speed up the application process.
How quickly will the MSME loan be disbursed?
Once your application is approved, we aim to disburse the loan within 24 hours. Our process is built for speed and convenience so you can access the funds as soon as possible and keep your business moving.
Can I use the loan for business expansion?
Yes, Kinara’s business loans can be used to support all kinds of growth plans, whether you want to expand your premises, buy new machinery, boost your inventory, or launch a new product or service.
Is collateral mandatory?
No collateral is required. Our loans are completely unsecured, so you don’t have to pledge any property or assets to receive funding. This allows you to focus on your business without worrying about collateral.
How is interest calculated on a reducing balance?
Interest is calculated on a reducing rate basis, which means you only pay interest on the outstanding principal amount. This lowers your EMI over time as you make repayments and makes the loan more affordable overall.
How to apply using the myKinara App?
Simply download the myKinara App from the Play Store, take a quick 1-minute eligibility check, then submit your basic business details and required documents. If you need help, our team will provide support in your local language to help you complete the process smoothly.