You can check whether you are eligible for a loan by taking this 1-minute check. If eligible, our Kinara loan officer will get in touch with a confirmation of your loan application and guide you through the rest of the process.
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We support MSMEs in the Trading Sector with our collateral-free business loans
Popular Sectors :
- Construction Material
- Food Products
- Personal Care
- Wood Products
Why choose Kinara Capital?
Get MSME loans from ₹1 lakh to ₹30 lakhs with a digital-first process in your preferred language. We serve 3000+ 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
“With four loans from Kinara, I was able to keep my business running smoothly, and grow in leaps and bounds. Now I’m helping others by creating jobs.”Read Full Story
“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
Sri Sumangali Sweets and Bakery
“When Kinara approached me, I couldn’t believe that they were willing to give us a loan. With their support, my business has grown by 35%.”Read Full Story
Working Capital Loans
These collateral-free business loans can be used to ensure the smooth running of your operations and cover various day-to-day expenses like paying salaries and buying raw materials.
- Stock Purchase
- Business Space Renovation
- General Business Expenses
- Market Expansion
- Machine Repair
Asset Purchase Loans
We offer a term loan for purchase of new or used machinery or other assets for business expansion.
- New Machine Purchase
- Second-hand Machine Purchase
Loan for traders without security
Most small business owners dream about expanding their business, but are held back by the lack of investment capital. One way to solve this problem is to opt for a business loan for traders to cover expenses, so that you can invest your profits in business growth. Working Capital Loans can be used to cover the day-to-day expenses of a business. Whether you need to pay your employees’ salaries, update your inventory, renovate your shop or business premises, expand your product portfolio or just ease the cash flow of your business in the short term, these loans can be useful. For these and myriad other expenses, you can quickly avail of a Working Capital Loan that your trading business continues to operate smoothly, and you can channel your profits into expanding your footprint. With Kinara Capital, you don’t need to worry about collateral as we provide business loans for traders without security
MSME loan for traders
If you are in the trading business and have been for some time, you might have settled into a comfortable pattern of selling the same goods, often to the same customers. While this might generate a steady income and be good enough in the short term, if you aspire to expand your business, the only way to achieve your goal would be to draw new customers. As a seller, you need to keep your inventory up to date and keep adding to your product portfolio to keep existing customers interested, as well as to add new customers to your base. If you feel like you don’t have enough capital to invest in this endeavour, an MSME loan for traders can be the right choice for you. With a collateral-free business loan for traders, you can invest in updating your inventory which will leave you free to use your sales proceeds as you wish, and you can repay the loan in easy installments.
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How do I apply for a loan for a trading business?
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.
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.