1800-103-2683

Hit A Sixer
for Your Business
with myKinara!

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Ravindra Jadeja,
Indian cricketer as Brand
Ambassador for Kinara Capital

Loan Eligibility Criteria

One Eligibility Check Per Mobile number
MSME business owner for minimum 2 years
No Kinara Capital representative will ask for a commission or payment to process your loan application
Do not give money to anyone for loan approval or loan processing

Check your Eligibility in 1 minute

Why partner with Kinara Capital?

  • Collateral-free Business loans
  • ₹1 to ₹30 Lakhs
  • Minimum Documentation
  • Fully Digital Process
  • Doorstep Customer Service
  • Loan within 24 Hours
FLEXIBLE
FRIENDLY
FAST
4,500+ Pincodes
300+ Sectors
90,000+ Loans Disbursed
60,000 Happy Customers

Grow Your Business with Our Support

Fatima Bai
Al Shams Enterprises

“Women can start their own business and become independent. I am a proud owner of 3 shops, thanks to HerVikas for supporting me.”

HerVikas

Automatic discount to women owned-businesses. No separate documentation is required.

  • Raw Materials Purchase
  • Stock Purchase
  • Machine Purchase
  • Business Premises
  • General Business Expansion
  • Renovation
  • Machine Repair
  • Supplier Payments
  • Business / Market Expansion

Madagala Kanakaraju
Sri Sumangali Sweets and Bakery

“With a loan from Kinara, I set up a new bakery and even bought a signboard. Business has grown by 35% already.”

Working Capital

Give your business a boost with flexible working capital

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

Revathi
Sri Engineering Company

“We got a loan from Kinara to buy a new CNC machine. Now, our turnover has increased by 60% and we employ 10 people!”

Machinery Purchase

Buy new or second-hand machinery to grow your business

  • New Machine Purchase
  • Second Hand Machine Purchase

Get myKinara loan in 3 easy steps!

Step 1

Instant
Eligibility Check

Check if you’re eligible in just 1 minute. Zero document upload required

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Step 2

Secure KYC &
income verification

Provide personal & business documents online or to a Kinara officer

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Step 3

Quick loan
disbursement

Get money in your account within 24 hours! Completely safe and transparent

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Collateral-free Business loans in just 24-hours!

Apply Now

FAQs

Yes, we are a Reserve Bank of India (RBI)-registered non-banking financial company (NBFC). We have been in operation for 12 years, serving the MSME sector in India. The RBI has qualified us as a Systemically Important NBFC.

The interest on a business loan without property collateral from Kinara Capital starts at 24% p.a, on a reducing rate basis. Interest rate and loan tenor will be determined based on Eligibility and Business Documents.

Yes, you can reach us on our toll-free number at 1800 103 2683 from 9:30 am to 6:00 pm for any clarification or help you may require. We can provide support in multiple languages including: Hindi, Tamil, Telugu, Kannada, Gujarati, Marathi and English.

You can get business loans in the amount of Rs. 1-30 lakhs within 24 hours from myKinara. As an MSMEs entrepreneur, you can get a Working Capital loan for typical business needs, such as business renovations, machine repair, stock purchase, etc. Or a Machinery Purchase loan in order to purchase a new or used machine for your business. With our HerVikas program, all women-owned MSMEs receive an automatic discount on any loan without the need for a separate application or additional paperwork.

For certain sub-sectors (e.g. chemical manufacturing), you must provide Special KYC documents such as Pollution NOC, and Forest Department Clearance. You will be guided during the process to provide this information. As a registered MSME, it is important that you are compliant with all local, state, and national laws of India and you do not participate in any illegal or unethical practices; for example, you must not hire child labour.

It is recommended that your business vintage be at least of 2 years with a minimum business turnover of Rs. 50,000 per month. You require complete KYC documents of your Business, Applicant, Co-Applicant or Partner, Bank and Income Verification and Address Proof. These include documents such as Personal PAN, Aadhaar, Business PAN, Udyam registration, and 12 months of business bank statements are required.

Registered MSMEs in Manufacturing, Trading, and Services sectors across these states can apply for a collateral-free business loan on the myKinara App: Karnataka, Andhra Pradesh, Telangana, Gujarat, Maharashtra, Tamil Nadu & UT Puducherry. We service over 4,500 pin codes across 100+ cities in these states.

myKinara App is a smartphone application that offers a secure, end-to-end digital loan process for MSMEs to apply for collateral-free business loans. The applicant can receive the loan disbursement within 24-hours upon approval. You can access the digital loan application process by clicking on Apply Now on this website or by downloading the myKinara App from Google Play Store, and securely logging in with an OTP.

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RBI Registered Company

Do not give money to anyone for loan approval or loan processing. Kinara Capital representatives will NOT ask for any commission or payment to process your loan application. For any concerns, email us at [email protected]

Per RBI Disclaimer, RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the Company or for the correctness of any of the statements or representations made or opinions expressed by the Company and for discharge of liability by the Company.