Kinara Capital provides loans in the range of $2K-$20K (Rs.100K-Rs.1M) to micro and small enterprises in India filling the gap between microfinance and commercial capital.  We work with network partners (buyers, trade organizations, franchisors, etc.) across supply chains to source and fund working capital needs of small manufacturing businesses, artisan clusters and agri-retailers.

Our custom risk assessment which includes psychometric testing and cashflow analysis as well as our flexible product terms, customer-centric processes and supply chain integration enable us to complete the loan process in 7-10 days. Since our launch, we have disbursed ~Rs.9CR (~$1.7M) to manufacturing, renewable energy and agri retail businesses in Karnataka, Tamil Nadu and Maharashtra with zero defaults. During this time, we have increased entrepreneur incomes by ~35% and created over 1000+ new jobs of which 31% were first time job seekers and 19% employed were women.

Team: Hardika Shah and Thirunavukkarasu

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Know more about us here.


Winner - Financial Inclusion Sector, Sankalp Awards for India 2014