Growth capital for founders — compared, advised, and carried to sanction.
Ojas Loans is a Lending Service Provider: we compare credit across regulated lenders and a named consultant carries your file — we are not the lender, and loan money moves directly between you and the lender.
- Working capital
- Term & MSME
- Equipment
- Government schemes
- Franchise funding
- We are not the lender — regulated lenders are
- Money moves lender ↔ you directly
- ₹0 to check eligibility
- Rates always indicative, honestly labeled
- A named consultant on every file
Find the credit built for you
Whoever you are, the capital gap has the same shape — the work arrives before the cash. Pick the path that sounds like your business to see exactly how we help.
D2C & retail brands
Stock the season and smooth the cash cycle without stalling growth.
See how we helpServices & events operators
Bridge the gap between doing the work and getting paid for it.
See how we helpWomen entrepreneurs & collectives
Stand-Up India, Mudra and group credit — the doors built for you.
See how we help
Ten families, one shelf
Every family answers a venture financing moment — from a festival-season bridge to the next franchise unit. Pick the one that sounds like yours.
Working capital
Demand loans, credit lines, and season bridges that keep daily operations funded.
Working-capital demand loan
Browse working capital loansTerm
Multi-year loans for established ventures scaling operations or opening locations.
Business term loan
Browse term loansEquipment
Finance for machines, kitchens, plants, and productive assets — the asset anchors the loan.
Machinery & equipment loan
Browse equipment loansReceivables
Invoice discounting and purchase-order finance that unlock money stuck with buyers.
Invoice discounting
Browse receivables loansSecured
Larger tickets against property or securities, for business end-use.
Loan against property (business end-use)
Browse secured loansGovernment scheme
Mudra, CGTMSE-covered, PMEGP, and other scheme-backed credit for first-time founders.
CGTMSE collateral-free term loan · Mudra loan (PMMY)
Browse government scheme loansFranchise
Franchise-fee, unit build-out, and acquisition funding — for brands turning one proven location into many.
Franchise-fee funding · Venture acquisition loan
Browse franchise loansFounder personal
Personal credit for business use — disclosed and honestly labeled as exactly that.
Founder personal loan (business use, disclosed)
Browse founder personal loansMicro enterprise
Community-scale and joint-liability credit for committee and micro operators.
Micro-enterprise group loan
Browse micro enterprise loansProject finance
Bankable projects with report support — for the ventures building something bigger.
Project finance with DPR support
Browse project finance loansHow it works
Four honest steps — no instant-approval theatre, no hidden fees, and the lender's decision is always the lender's.
- 1
Check eligibility
A short enquiry about your venture and what you need — free, and never a credit-score pull.
- 2
Talk to your consultant
A named consultant calls within one working day, understands the business, and owns your file.
- 3
We compare lenders and assemble the file
Your consultant matches products across the lender panel and builds the evidence lenders ask for.
- 4
Sanction recorded, money moves lender → you
The lender underwrites and sanctions. Loan money moves directly between you and the lender — never through Ojas.
- 10loan families on the shelfWorking capital to project finance — every family answers a real venture financing moment.
- Onebackend, every Ojas venture
- 2disclosed ways we get paidA lender-paid sourcing fee after a loan is disbursed, and a quoted advisory fee for heavy files — both published, never buried.
- 1 working dayto a consultant's first callEnquire and a named consultant calls within one working day — and tells you honestly whether we can help.
The right credit unlocks as your venture grows
Different products fit different stages — and as your venture crosses real milestones on stage, business vintage and revenue, the products built for you show up as available instead of out of reach. You always see the whole shelf, and exactly what unlocks next.
See how the unlock ladder works- Start with the products that fit your stage today
- Cross real milestones — business vintage, revenue, track record
- More credit unlocks as your venture grows — you always see what's next
Your venture's track record, working for you
Ventures that run on the Ojas platform — events companies, franchises, D2C brands — already keep their orders, settlements, and books on the same operating engine this desk runs on. When you enquire, your consultant can build the evidence lenders actually ask for from records you already keep. Today that assembly is done by your consultant, by hand — honestly, that's the product: a person who turns your operating history into a bankable file.
Check eligibility- Order and revenue history your consultant can cite
- Settlement and ledger records instead of shoebox statements
- A document checklist matched to your entity type
- One desk that already speaks your venture's language
Partner with the desk
Advisors bring borrower relationships and earn disclosed commission on our workbench; regulated lenders reach pre-advised, criteria-matched, document-complete files across the Ojas ecosystem — and keep full credit authority.
Become an advisorJoin the lender panelQuestions, answered honestly
What is a Lending Service Provider (LSP)?
An LSP arranges credit on behalf of regulated lenders — banks and NBFCs — without being the lender. Ojas Loans compares products, advises you, and assembles your file; the regulated lender underwrites, sanctions, and disburses. Loan money always moves directly between you and the lender.
Do you charge borrowers?
Checking eligibility and being matched to lenders is free — we never charge you just to apply. Where you ask for heavier advisory work (project reports, government-scheme applications, multi-lender structuring), the fee is quoted and agreed before any work begins.
How does Ojas Loans get paid?
Two disclosed ways: lenders pay us a sourcing fee after a loan they sanctioned is disbursed, and borrowers who choose paid advisory pay the quoted fee. We publish how we get paid because a marketplace you can't see the incentives of isn't one you should trust.
Are the rates on this site guaranteed?
No. Every rate shown is indicative and subject to lender underwriting. The lender prices your loan on your actual file — our job is to make that file as strong as it honestly can be.
Who decides my loan?
The regulated lender — always. Ojas Loans is not a lender and never approves, sanctions, or disburses credit. We match, advise, and carry the file; the lender underwrites and decides.
What happens after I enquire?
You get a reference id straight away, and a named consultant calls within one working day. They confirm what you need, tell you honestly whether we can help, and if we can, they compare lenders and carry your file from there.
See what your venture qualifies for
A short enquiry, a reference id, and a named consultant on the phone within one working day. Free to check — and the lender's money moves directly to you.
Check eligibilityTalk to an advisor