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Kinara Capital is an RBI registered company

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 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 - 60 months

  • Rates

    21% to 30% p.a

  • 1-30 lakhs


Supporting your growth

Micro-Small-and-Medium Enterprises (MSMEs) in India suffer from the lack of access to formal credit. Kinara uses a mobile-first approach to help over 300+ MSME sectors without having to provide property collateral or security against it. These business loans can be utilized by small businesses for a range of purposes, from paying salaries to procuring stock or raw materials to machine repair or buying a new machine.


Easy Business loans for MSMEs

Small Business Entrepreneurs know how hard it can be to get a business loan. Without collateral, they are often turned away by banks. Often, business owners are frustrated with missed opportunities because they simply don’t have the funds to fulfil new orders. Time is of the essence in such cases and this is why fast & flexible loans from Kinara Capital are ideal for small business entrepreneurs. With minimal documentation required, and a Customer Service officer available to provide guidance to you throughout the loan process. You can get easy access to business loans from Rs. 1 lakh upto Rs. 30 lakhs.


Unsecured Business Loans

Part of the struggle, especially for small business entrepreneurs, when it comes to applying for a loan, is the long and complicated process. Often, they are new to credit and are unsure of themselves when handling the paperwork. The way to resolve this is to have dedicated representatives, who are approachable and always willing to lend a helping hand. Kinara Capial’s Loan Officers go out of their way to help customers by providing guidance and helping with each step of the application process. Kinara’s customer-first approach means that you can expect the best of service with a smile, and be assured that you can rely on Kinara for continued support as your business grows.


Take your business to the next level

Every small business owner has a big dream to scale up their business, and make it bigger and better at every stage. But for many, this dream remains unfulfilled because of lack of timely access to funds. If you want to grow your business, Kinara Capital is the right partner for you. With our collateral-free business loans, you can improve your business premises, buy equipment and machinery, refresh your inventory, expand your product range, purchase stock or raw materials and cover a myriad of other expenses. Having the option of accessing capital so quickly and easily means that you can keep growing and expanding your business without worrying about running out of steam. Kinara will help you take your business to the next level.

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!

Suki Rubber Products

“Kinara has supported me throughout. When I paid off my first loan, I was able to apply for another one right away and keep growing my business.”

Iswarya and Mohan Babu
Iswarya and Mohan Babu
Mukund Automats

“Once we got the first loan, we grew and grew. Our workforce also grew, we now employ 50 people! The most important factor in our growth and our success is Kinara Capital.”

Madagala Kanakaraju
Madagala Kanakaraju
Sri Sumangali Sweets and Bakery Andhra Pradesh

“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%.”

Nishit Shah
Nishit Shah
Nishit Tech

“Kinara supported me when I was in dire need of money to keep my small business afloat. Since then, my turnover has doubled and I’ve hired 4 new employees.”

Sivachandra R.
Sivachandra R.
Sri Aarusuvai Food Products

“We took the loan and two subsequent ones from Kinara for buying machinery, which have been very helpful in running our business successfully”

Frequently Asked Questions


  1. What is Kinara Capital, and what does it do?

    Kinara Capital is a Bangalore-based FinTech lending company that provides collateral-free business loans to micro-small-medium enterprises (MSMEs).

  2. Is Kinara Capital a bank?

    Kinara capital is not a bank. It is a non-banking financial company (NBFC). While you can get a loan from the company, you cannot hold an account to make deposits like you can in a bank.

  3. What is an NBFC and how does it differ from a bank?

    NBFCs provide similar services as a bank, but don’t hold a banking license. While both are financial companies, NBFCs can’t accept deposits from customers, and only perform lending functions.

  4. Is Kinara Capital registered with/regulated by the RBI?

    Like all NBFCs, Kinara Capital is regulated by the Reserve Bank of India (RBI) under the Reserve Bank of India Act. The RBI recognizes Kinara Capital as a Systemically Important NBFC.

  5. Who can apply for a loan from Kinara Capital?

    Kinara Capital works in the micro-small-medium enterprises (MSMEs) segment, lending to small business owners across the manufacturing, trading and servicing industries.

Collateral-free business loans in 24-hours!

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