One Eligibility Check Per Mobile number
Hit a sixer for your Business with myKinara!
Eligibility criteria for business loan
RBI registered company
20,000+
MSME Loans Disbursed to Women
140,000+
MSME Loans Disbursed
95,000+
Happy MSME Customers
Why partner with Kinara Capital?
We provide a range of business loans for
MSMEs with a transparent and secure process.
Collateral-free Business loans
₹1 Lakh to ₹30
Lakhs
Minimum Documentation
Fully Digital
Process
Doorstep Customer
Service
Loan within
24-hours
Grow your business with our support
HerVikas
Automatic discount to women owned-businesses.
No separate documentation is required.
Women can start their own business & become independent. I am a proud owner of 3 shops, thanks to HerVikas for supporting me.
Fatima Bai
Al Shams Enterprises
Working Capital
Give your business a boost with flexible working capital
With a loan from Kinara, I set up a new bakery and even bought a signboard. Business has grown by 35% already.
Madagala Kanakaraju
Sri Sumangali Sweets & Bakery
Machinery Purchase
Buy new or second-hand machinery to grow your business
We got a loan from Kinara to buy a new CNC machine. Now, our turnover has increased by 60% and we employ 10 people!
Revathi
Sri Engineering Company
SIMPLE STEPS
How to apply for loan
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!
Frequently asked questions
Are you a registered lender?
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.
What is the interest rate for a business loan from Kinara Capital?
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.
Can I get any help with the application process? I would like to speak to someone from Kinara.
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
What amount and type of loans can I get? How long does it take to receive a business loan?
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.
What else should I know about before applying?
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.
What is your eligibility criteria?
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.
Who can apply for collateral-free business loans from myKinara?
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.
What is myKinara App?
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.