Kinara Capital Business Loan

Kinara Capital business loan eligibility is listed below:

Note: Kinara Capital allows one eligibility check per mobile number.

Kinara Capital offers business loans to MSMEs for their short-term and long-term working capital and machinery purchase needs, along with specially designed schemes for women-led startups/MSMEs. Listed below are the types of business loans offered by Kinara Capital.

Kinara Capital MSME Business Loan

Collateral-free loans from ₹1-30 lakhs for a tenure of 12 to 60 months with an interest rate starting at 24% (on a reducing rate basis). The loan is offered to MSMEs in Manufacturing, Trading, and Services to meet working capital or business expansion needs.

HerVikas Business Loan for Women

Collateral-free loans of ₹50,000–30 lakhs exclusively for women-led MSMEs with a 60-day repayment holiday, 50% lower processing fees, and a 1% interest rate discount. The loan aims to bridge the credit gap faced by women MSME entrepreneurs, which stands at 40% of the $400 billion MSME credit.

HerVikas Startup Loan for Women

A special loan program designed for startups by women-owned MSMEs with a minimum of a month of business registration. Offers a 1% interest rate discount, a 50% lower processing fee, and a 60-day repayment holiday.

Machinery Purchase Loan

Offers loans of up to ₹30 lakhs at interest rates starting from 24% with flexible tenures ranging from 12 to 60 months. These loans are designed to help MSMEs purchase new or pre-owned machinery, upgrade to the latest technology, and scale up their production capacity.

Loan Against Property (LAP)

Offers loans of ₹5-40 lakhs against collateral for long-term business growth or expansion. Interest starts at 16% (reducing rate) with easing repayment over time.

Green Loans

Offers loans to MSMEs engaged in manufacturing, trading, or service sectors that contribute to eco-friendly products and sustainable infrastructure, including initiatives under Water, Sanitation, and Hygiene (WaSH) projects.

Supply Chain Financing

Offers a credit line of ₹1–10 lakhs for MSMEs to address urgent fund requirements against order receivables—such as purchasing raw materials or inventory. This facility ensures on-demand liquidity within the approved limit and comes with a bullet repayment option.

Short-Term Working Capital Loan

Offers quick loans of ₹50,000-2 lakhs with a tenure of 6-12 months to cover immediate funding requirements or urgent operational expenses for MSMEs.

To apply for a business loan from Kinara Capital, you will need the following documents:

Apart from the above-stated documents, the NBFC can also request additional documents if and when required. The documents required may also vary across business loan types offered by Kinara Capital.

To improve your chances of approval for a Kinara Capital business loan, follow the steps mentioned below:

Registered MSMEs in the Manufacturing, Trading, and Services sectors across

Kinara Capital business loans are serviceable to over 4,500 pin codes across 100+ cities in the above-mentioned states.

Processing Fees: 0 to 3% of the approved loan amount + 18% GST depending on the product type.

Documentation Charges: zero to 2500 + 18% GST

Bounce Charges: Rs. 750 per transaction + GST

Penal Charges:

If a customer misses or delays any of the following payments:

Then, a penalty of ₹ 0.986 per ₹ 1,000 per day will be charged on the overdue amount.

Pre-payment or foreclosure charges: 2% to 10%

Borrowers can apply for Kinara Capital business loan both through Paisabazaar’s official website and the Paisabazaar app.

Via Paisabazaar App

Via its Official Website