Kishori Capital is RBI registered NBFC that provides hassle-free loans to small businesses in India. It bridges the gap between the Banks/Financial Institution and entrepreneurs/businesses looking for financing to fund their respective requirements.

India being home to more than 25 million small businesses account for about 20 per cent of the country's GDP. While small enterprises drive economic growth with their ability to innovate and employ in large numbers, the biggest challenge faced by them is access to finance. Small enterprises, such as brick-kilns, Pharmacies, small scale manufacturers, grocery stores and small restaurants, need finance to purchase raw materials, procure stock, pay wages, meet other working capital requirements and support expansion plans. Despite several initiatives from Govt. of India there continues to be a huge demand-supply mismatch in small enterprise financing.

One of the major reasons for banks/financial institutions (FIs) being unable to bridge this gap is traditional underwriting system which amplifies perceived credit risk involved in financing small enterprises. This is primarily on account of non-availability of valid bills, proper accounting systems and lack of known buyers. To mitigate such credit risk, banks typically look for enhanced collateral or traditional equity, both of which cannot be brought in by most entrepreneurs. Further, due to their small size and local presence, the transaction costs involved in financing them are very high.

This is were kishori fills in the gap. It helps SMEs through straightforward, digital and flexible access to capital so that they can solely focus on building their businesses. The platform helps them provide all the relevant information digitally and get their creditworthiness checked and loans approved in less than 3 days. 



Kishori Capital

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Kishori Capital

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