Working Capital

Collateral-free Working Capital Loan

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

Kinara Capital is an RBI-registered company

Working Capital Finance

Collateral-free working capital loans can be used by MSMEs to cover regular business expenses such as paying wages, buying raw materials, renovating the premises and many others.

  • Tenure

    12 to 60

  • Rates

    21% to 30% p.a
    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. We serve 3000+ pincodes and 300+ sectors.

Quick process


Get your loan in
24 hours

Quick process


Minimal and flexible documentation process

Quick process


Doorstep customer service to help you from start to finish

Grow your business
with our support


Loans for all requirements

Business loans for all of your day-to-day expenses and to help you seize opportunities for growth.

  • Stock Purchase Stock Purchase
  • Business Premises Renovation Business Premises Renovation
  • General Business Expenses General Business Expenses
  • Invoice Financing Invoice Financing
  • Purchase Order Financing Purchase Order Financing
  • Product & Market Expansion Product & Market Expansion

EMI Calculator

₹1 lakh

₹30 lakhs

6 Months

5 Years



Approximate Monthly EMI


Loans for all MSMEs

We provide collateral-free working capital loans to MSMEs across all the sectors.

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Diversify your products, grow your inventory and draw more customers using collateral-free loans.
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Stay competitive and keep your services up to par by utilizing collateral-free business loans.
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Purchase raw materials and machinery to increase your business efficiency with collateral-free loans.
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!

Madagala Kanakaraju
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…

Read Full Story
Nishit Shah
Nishit Tech

“Kinara supported me when I was in dire need of money to keep my small business afloat. Since then, my…

Read Full Story
Guntha Harish
Sai Ram General Stores

“My business had hit a plateau and so had my earnings. With the loan from Kinara, I was able to…

Read Full Story
Rainbow Metal Cutting

“Kinara sanctioned my loan after several banks had rejected my application, and I received the loan amount in my account…

Read Full Story

How Working Capital Loans help MSMEs to grow

An SME Working Capital Loan is a loan taken by a small business owner to finance the everyday operations of the business. These loans are not used to buy long-term assets, instead they are meant to be used to provide the Working Capital that covers a company's short-term operational needs, like paying wages, product expansion, rent, purchasing inventory and other expenses. These loans can help you maintain a steady cash flow, grab a new opportunity business by purchasing raw materials in time and help companies that rely on cyclic sales. Check your working capital loan eligibility and get one step closer to getting your loan.


Why avail of a loan for working capital?

Constant cash flow: Working Capital Loans ensure a steady cash flow to make timely payment to your employees and suppliers.
Payment: MSMEs often experience a cash crunch while waiting for payments. Taking a Working Capital Loan in India can help with such business needs to maintain financial stability.
Seasonal business: For MSMEs involved in a seasonal business can seize opportunities for growth through a cash infusion to hire workers and buy raw materials. Working capital loans help them remain operational in all circumstances.
A Working Capital Loan lets a company take care of short-term obligations, and therefore enable it to concentrate on long-term goals and be able to accomplish them.

Frequently Asked Questions


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  1. How to apply for a Working Capital Loan?

    You can apply for a working capital term loan 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.

  2. What is the KYC Process?

    We would require personal and business documents to complete the KYC process for SME working capital loans. The process is flexible, documents such as Aadhaar, PAN (personal & business), Udyam registration, business registration proof, bank statements (12 months’) may be required.

  3. What is the tenure and interest rate?

    Kinara Capital offers working capital term loan for business growth with a tenure ranging from 12 months to 60 months. The interest rate you can expect on a working capital loan is 21-28% PA on a reducing rate basis.

  4. Why Should MSMEs take a 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 more than 35,000 business loans to various MSMEs.