Business loans
for service sector MSMEs

We offer collateral-free business loans to small business entrepreneurs engaged in the service sector, to help them improve their offerings, attract more clientele and expand their businesses.

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Get your business loan today!

We support MSMEs in the Services Sector with our collateral-free business loans

Popular Sectors :

  • Automobiles
  • Electricals
  • Healthcare
  • Transport
  • Home Care
  • Professional
  • Restaurants /
    Food Service
View more

Why choose Kinara Capital?

Get MSME loans from ₹1 lakh to ₹30 lakhs with a digital-first process in your preferred language. We serve 4,500+ pincodes and 300+ sectors.



Get your loan in 24 hours



Minimal and flexible documentation process



Doorstep customer service to help you from start to finish

Hear from our 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!

  • K. Appa Rao

    Hema Electronics

    “With Kinara's support, I kept my business running smoothly and growing in leaps and bounds. Now I’m helping others by creating jobs.”

    Read Full Story
  • Imtiyaz Pasha

    Unique Steps

    “I was able to pay back my loan in easy EMIs, which gave me time to grow my business. Now I own 4 shops, and I owe it all to Kinara.”

    Read Full Story
  • Veera Raghava Reddy

    Reddy Automobiles

    “With Kinara’s excellent support and service, I was able to significantly boost my turnover. Now I do business of Rs. 15,000 every day."

    Read Full Story

Grow Your Business with Kinara


Working Capital Loans

Collateral-free business loans to ensure the smooth running of your operations and cover various day-to-day expenses.

  • stock purchase Stock Purchase
  • stock purchase Business Space Renovation
  • stock purchase General Business Expenses
  • stock purchase Market Expansion
  • stock purchase Machine Repair

Service sector business loan

Working Capital Loans can be used to cover the day-to-day expenses of a business. Whether you need to pay your employees’ salaries, renovate your business premises, or just ease the cash flow of your business in the short term, these loans can be very useful. In the service sector, it is crucial to stay ahead of the competition by keeping your workers and services up to speed, and for this and myriad other purposes, you can quickly avail a collateral-free service sector business loan so that your business continues to operate smoothly.


Staying ahead of the competition

Successfully running a small business in the service sector entails staying well ahead of the competition. You also have to make sure you give your customers enough incentive to keep coming back to you, so that they are not poached by other businesses. Quality and consistency are key to delivering services that make for loyal customers. So make sure that your equipment, premises and staff are up to date with the latest demands and trends in your industry. A business loan for the service industry can help you ensure that your staff gets paid on time, your equipment gets upgraded periodically and your shop or business premises look inviting to both existing and potential customers.

Our Process

Get a business loan in
3 easy steps!

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!

  • How it works illustartion
    1. Fast eligibility check

      Find out if your business is eligible in just 1 minute! Available in 7 languages. Zero document upload required for eligibility check.

    2. Secure KYC & income verification

      Provide your personal & business documents. Fully secure online portal with easy upload. Help is at your fingertips with chat or call.

    3. Quick loan disbursement

      Get money in your account within 24 hours! Digital loan approval with electronic bank deposit.

Get collateral-free business loans in 24-hours!

Apply Now
Frequently Asked Questions


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  1. How do I apply for a loan for a service sector business?

    You can check whether you are eligible for a loan by taking this 1-minute check. After that, our Kinara Loan Officer will get in touch with a confirmation of your loan application and guide you through the rest of the process.

  2. What paperwork and KYC process is involved?

    Kinara offers the flexibility to substitute certain documents for others, subject to availability. The basic requirement is your PAN. Other than that, you will be required to provide certain personal and business details and documents to complete the KYC process. Some documents that would be required are your Aadhaar Card, Udyam registration number, Business registration proof, GST certificate and 12 months’ bank statements.

  3. Do I have to provide any security or collateral against the loan?

    No. Kinara Capital provides collateral free business loans for trading businesses. We just need to check your eligibility and documents. If everything is in place, you can proceed with the loan approval and disbursal process with no collateral needed.