Founded in 2011 by Hardika Shah and based in Bangalore, Kinara Capital is engaged in providing loans to small enterprises (MSMEs). One of the fastest growing NBFCs engaged in providing loans to small enterprises (MSMEs) with presence in manufacturing, trading and retail services​.

Kinara operates 60 branches serving some of India’s dense industrial clusters.

​Lending to small enterprises in India constitutes a huge addressable and underserved market. Kinara is positioned as the one of the few lenders which is focused on lending based on credit processes rather than property collateral. Most MSME lenders underwrite to the value of the property or gold offered as collateral. In contrast, Kinara lends on the basis of proprietary credit processes with the underlying asset (eg: machinery) as collateral.