Portfolio Partner Profile

Kinara Capital

Kinara Capital is a woman-founded fintech driving financial inclusion of small business entrepreneurs in India with a mission to transform lives, livelihoods, and local economies. With its blend of tech and personalized customer service, Kinara Capital is solving the missing middle access to credit problem by providing collateral-free business loans to the micro-small-medium-enterprise (MSME) sector across 100+ cities in India. Through its HerVikas program, Kinara also offers discounted, collateral-free business loans for women-owned MSMEs to empower women to become drivers of growth and have a positive multi-generational impact in their communities. Headquartered in Bangalore, the organization has 125 branches across six states including Karnataka, Tamil Nadu, Andhra Pradesh, Telangana, Gujarat & Maharashtra.

Featured Impact Story


Impact Story

Amar Singh – Sai Balaji Electronics

With three loans from Kinara, Amar Singh managed to expand his business, start new ventures and double his turnover from Rs 10 lakhs to Rs. 20 lakhs.

Not all beginnings are smooth or positive. Amar Singh started his business, Sri Balaji Electronics, to make ends meet after he lost his job. The loans Amar received from Kinara capital allowed him to further develop his business that began over a decade ago. Like many small business owners, he wanted to expand his business and increase his turnover, but couldn’t access the capital necessary, because banks turned him down.

When he contacted Kinara, he was first asked for his trade license, bank statements, and IT returns, none of which he had, but that did not stand in the way of getting a loan. Kinara’s Executives coached him and gave him time to get his documents in order before starting the loan process. He shared, “Some months later, I qualified to get a loan. Since then, I have taken two additional loans from Kinara Capital. I invested in developing our business by securing storage, adding new hardware products, and updating the storefront. Since the first loan, my turnover has doubled! Before Kinara, I didn't even have the option to get a loan. Kinara is like my best friend. They have given me so much support and helped me improve my life.”

Impact Story

Kungumaraj – SSK Vegetables

Kungumaraj, owner of SSK Vegetables, received a loan from Kinara Capital allowing him to scale his vegetable distribution business and meet market demand. With a successful company, he was able to purchase land and build a house.

Impact Story

Saraswathy – Saraswathy Steel


Saraswathy, owner of Saraswathy Steel, opened the business with assistance from her brother. She received two loans from Kinara Capital, allowing her to purchase inventory and land to build a warehouse. Learn more about Saraswathy and her company by watching this video.

Impact Story

Jhunjhun Tiwari – Tulsi Enterprise


Jhunjhun Tiwari began Tulsi Enterprise, a manufacturing company for machine parts, with a loan from Kinara. In need of working capital to grow his business, Jhunjhun approached Kinara for a second loan, which enabled him to hire support and meet the demands of his company. Learn more about Jhunjhun and his business by watching this video.

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Sectors and Topics:

Small Business
Gender Equity


South Asia



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