Kinara Capital is a woman-founded fintech non-banking financial company (NBFC) based in Bengaluru, India, established in 2011 by Hardika Shah. The company focuses on financial inclusion for small business entrepreneurs, particularly micro, small, and medium enterprises (MSMEs), by providing collateral-free business loans. As a Systemically Important NBFC regulated by the Reserve Bank of India, Kinara has achieved significant milestones, including over $1 billion in cumulative disbursements and nine consecutive years of profitability. Kinara Capital offers tailored collateral-free business loans to support working capital, equipment purchases, and business expansion. The company has developed a fully digital Loan Management System to streamline operations and ensure rapid loan disbursement. With over 1,400 employees and more than 125 branches across 100+ cities in India, Kinara serves a diverse customer base in manufacturing, trading, and services sectors. Its lending model aims to create measurable social impact, contributing to job creation and income growth for small business owners.