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Kissht Launches New Loans for Indian Small Businesses

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  Published in Business and Finance on Wednesday, January 14th 2026 at 12:22 GMT by ThePrint
      Locale: N/A, INDIA

New Delhi, January 14th, 2026 - In a significant move to bolster the Indian economy, fintech innovator Kissht has unveiled a suite of new loan products specifically designed to improve access to digital credit for small businesses across the nation. The launch, announced today, includes both business loans and property-backed lending solutions, built on a foundation of technological streamlining and improved accessibility.

For years, a persistent challenge for India's vibrant small business sector has been limited access to traditional financing. Banks and other financial institutions often require extensive paperwork and collateral, creating barriers for many entrepreneurs, particularly those in underserved communities. Kissht's new offerings directly address this "credit gap," aiming to unlock capital for businesses that frequently lack the traditional means to secure it.

"We recognize the vital role small businesses play in the Indian economy and are committed to providing them with the financial tools they need to thrive," stated a spokesperson for Kissht in a recent press release. "These new loan products are a direct response to the challenges faced by entrepreneurs, and we believe they represent a crucial step towards greater financial inclusion for this critical sector."

The core of Kissht's strategy lies in leveraging technology to simplify the often-complex and lengthy loan application process. Gone are the days of cumbersome paperwork and lengthy approval times. Kissht's digital platform aims to provide a significantly faster and more user-friendly experience for business owners. The promise is quicker disbursement of funds, allowing businesses to address immediate financial needs - whether that's purchasing inventory, expanding operations, or navigating unexpected expenses.

Understanding the Two Loan Options

• Business Loans: These are designed for a broad spectrum of small businesses and offer a degree of flexibility. To qualify, businesses must meet a minimum annual turnover requirement, a relatively accessible threshold intended to include a wide range of enterprises. Repayment terms are adaptable to suit the unique cash flow cycles of different businesses. These loans are intended to cover working capital needs, equipment purchases, and general business development.

• Property-Backed Loans: Recognizing that some businesses require larger sums of capital, Kissht also introduced property-backed loans. These loans are secured against property, which allows Kissht to offer higher loan amounts compared to the unsecured business loans. This option caters to businesses seeking to invest in significant expansion projects, acquire commercial real estate, or upgrade infrastructure.

Impact and Future Outlook

The introduction of these loan products is expected to have a ripple effect across various sectors of the Indian economy. Retailers can secure funds for increased stock, manufacturers can invest in improved machinery, and service providers can expand their reach. Kissht's focus on digital credit also helps to democratize access to finance, leveling the playing field for businesses that might have been overlooked by traditional lenders.

Experts predict that Kissht's approach will encourage other fintech companies to innovate and develop similar solutions, further driving competition and benefiting small businesses nationwide. The success of these products will be judged by factors including loan approval rates, default rates, and, crucially, the tangible impact these funds have on the growth and sustainability of the businesses that receive them.

Kissht's commitment extends beyond simply providing loans; it aims to contribute actively to the growth of the Indian economy by empowering small businesses and fostering financial inclusion. The company's continuous investment in technology and its dedication to understanding the unique needs of Indian entrepreneurs position it as a key player in the evolving financial landscape of India.