Find out what you’d qualify for without a single phone call.
Indicative eligibility from a few questions, and an exact reducing-balance EMI with the full schedule. Both compute in your browser, so nothing you type is sent to us, stored, or shared with anybody. Plus plain-English explainers for the four schemes built for a thin file: Mudra, CGTMSE, PMEGP and Stand-Up India. Ojas Loans is never the lender, and no lender is empanelled with us at all.
- Nothing you type in the tools leaves your browser
- ₹0 to check, and never a credit-bureau pull
- Ten families of credit, each with its document checklist
- Every rate on this site is illustrative, never a quote
If a lender has asked you for something you don’t have, this is you.
The desk does not check what sector you are in, because a credit committee doesn’t either — a weaver, a yoga school, a design studio and a machine shop all get asked the same four questions. These are situations, not a customer list: the desk is new, and you would be among the first.
Practitioners and teachers
- Ayurvedic clinic
- Yoga school that certifies teachers
- Gurukulam (a residential teaching school)
- Music or dance school
- Trainer with a method of their own
The fees arrive by UPI, the year lives in a WhatsApp group, and the deposit for the new premises is due in March.
Makers and growers
- Weaver
- Natural dyer
- Potter
- Ghani oil maker (a traditional cold-press oil mill)
- Millet enterprise
- FPO
- Beekeeper
The yarn, the seed and the labour have to be paid for months before anybody buys the finished thing.
Shops, brands and traders
- D2C label
- Retail counter
- Distributor
- Kirana (a neighbourhood grocery) that has started delivering
Festival stock is bought in July and sold in October, and the difference has to come from somewhere.
Small firms that invoice
- Design studio
- CA or CS practice
- Events operator
- Four-person consultancy
Work delivered in April, signed off in May, paid in July — and salaries every month in between.
Manufacturers and franchise operators
- Workshop
- Franchise operator
- One outlet that works
The machine that should have been replaced two years ago, and the money for the second outlet sitting in a spreadsheet marked ‘next year’.
First-time and micro founders
- No collateral
- No credit history
- No audited returns
A government scheme is built for exactly that situation, and nobody at the branch has ever explained it to you.
If any of this has happened to you, keep reading.
None of these were written by a marketing team. They are the sentences people say walking out of a branch.
They want a business you can’t show them
- Three years of audited returns. You have been trading five years and filed the way your CA told you to.
- They wanted bank statements that look like the business. Half of it came into your personal account by UPI.
- Come back with collateral, they said. The only property is your father’s and it is not in your name.
- On paper the business barely exists — and on paper is the only place they are looking.
Nobody explains anything
- Four branches, four different answers about which scheme you qualify for.
- You applied, waited three weeks, and got a no with no reason attached to it.
- Every site that says ‘check your eligibility’ is a form, and the form is a sales call.
- Somebody mentioned CGTMSE once. Nobody has ever told you whether it applies to you.
The money is needed before the money arrives
- The order is signed. The raw material is due now and the buyer pays in ninety days.
- Festival stock has to be bought in July to be sold in October.
- The machine that would double your output costs eleven months of profit.
- You took the personal loan at 18% because it was the only thing anyone would give you.
The paperwork costs more than the interest
- Someone quoted ₹25,000 just to prepare the file, before anyone had said yes to anything.
- You handed over the same documents three times and the file still stalled on one missing paper.
- Four lenders pulled your record in one month, and now your score is worse than when you started.
- You gave up somewhere around the third visit, and the money went unraised.
It is not that your business is weak.
A lender is not really deciding whether your business is good. It cannot see your business. It is deciding whether the record of your business is legible — and it has about twenty minutes in which to decide.
A practice lives in a person. An institution lives in a system — a list of customers, bills that add up, a method written down, books that close. Whoever has that system can be read. Whoever cannot be read is priced as a risk, or gets nothing.
So here is the loop you are in:
No record, no capital. No capital, no record.
You cannot raise money, because the work was never written down anywhere a lender can read it. And you could never afford the system that would write it down, because you could not raise the money.
Nobody ever handed you that system. Every tool built for “businesses” assumed you were a different kind of business — one with a finance team, a sales pipeline and three years of audited returns. So you built your own out of a notebook, a UPI QR and a WhatsApp group, and it works right up to the day somebody asks you to prove it.
That is why so much of the value made from real skill and real land ends up somewhere else. The trader with the weighbridge slip prices your crop. The exporter with the certificate sells your ingredient for many times what you got. The platform with the student list keeps your students. Not because the work is weak. Because the record was never kept, so the capital went to whoever kept one.
Break the loop at the cheap end first.
You cannot conjure a lender. You can make yourself legible — and most of that you can do from a laptop, for nothing, before anybody pulls your credit record.
Find out where you stand, before anyone looks you up
Three things about the business decide it — how long you have been trading, your turnover and what the money is for. You get the families of credit that typically fit, with every rule written out underneath. It runs in your browser: no account, no bureau pull, and nothing you type is sent to us.
Ten families, on one shelf
Business credit organised by what the money is for, not by whichever bank’s brochure you picked up: working capital, term, equipment, receivables, secured, government scheme, franchise, founder personal, micro and project. Every product carries illustrative amount, rate and tenure bands, published as ranges.
The document list for your kind of business
Proprietorship, partnership, private limited or LLP: each product page carries the checklist a lender expects from that shape of business. Most first files die on the wrong product or one missing paper, and you can settle both from a laptop before you walk into a branch.
The schemes, in plain English
Mudra, CGTMSE, PMEGP and Stand-Up India each reach a different entity at a different stage, and knowing which fits yours is most of the job. Four explainers say who qualifies, what the limits are and where the terms change.
The arithmetic, exactly
A reducing-balance EMI calculator with the full month-by-month schedule, and a working-capital calculator that shows the rule of thumb lenders use. Total interest is the real price of a loan, and most people never see it written down before they sign. Both compute in your browser.
A person who is allowed to say ‘not yet’
A short enquiry and a named consultant reads the business: which family of credit fits, what a lender will ask you to produce, and when the honest answer is that nothing fits today. It is free, with no bureau pull.
The record is the half you can actually build
The record is the half you can actually build
Ojas Loans sits on the same backend as the shop, the bookings, the invoices and the books. If your business already runs on Ojas, the orders carry the payment that settled them, the tax invoices carry your GSTINs and the CGST/SGST split, and the books close into a trial balance, a profit-and-loss and a balance sheet you can open rather than request. Then the file a lender asks for is mostly assembled already, out of records you were keeping anyway. A person still does that assembly by hand, and there is no computed score reading your operating history.
Talk it through with a person- Orders with the payment already matched to them
- GST-valid tax invoices, with your GSTINs and the CGST/SGST split
- Double-entry books — a trial balance, a P&L and a balance sheet you can open
- A consultant assembles the file from them, by hand
Ten families, organised by what the money is for
Nothing here sits behind a form. Open any product for what the money is for, the eligibility it expects in plain English, the document checklist for your entity type, and illustrative amount, rate and tenure bands.
Working capital
For the gap between paying for the work and being paid for it.
Browse working capital loansTerm
Multi-year money for a business with a few years behind it and somewhere to go.
Browse term loansEquipment
The machine, the kitchen, the loom, the plant — the thing itself anchors the loan.
Browse equipment loansReceivables
Money stuck with a buyer for ninety days, released now against the invoice.
Browse receivables loansSecured
Bigger tickets against property or securities, for business use.
Browse secured loansGovernment scheme
Mudra, CGTMSE-covered, PMEGP — the door built for a thin file and no collateral.
Browse government scheme loansFranchise
The fee, the fit-out, the second unit — turning one proven outlet into three.
Browse franchise loansFounder personal
Personal credit put into the business, labelled as exactly that rather than dressed up.
Browse founder personal loansMicro enterprise
Group and community credit, where the group's standing stands in for collateral.
Browse micro enterprise loansProject finance
A bankable project, with the report support that makes it readable.
Browse project finance loansThe gap has the same shape everywhere: the work arrives before the cash
Seven paths through the same shelf, written for the way a particular kind of business runs into it. Each says plainly what is in place for it and what is not.
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
- 3free tools that compute in your browserEligibility, EMI and working-capital sizing. Nothing you type is sent to us; the page’s analytics are told only that you opened it, and the privacy policy spells that out.
- 10families of business credit on one shelfWorking capital to project finance, each with plain-English eligibility, a document checklist and illustrative bands.
- 4government schemes explainedMudra, CGTMSE, PMEGP and Stand-Up India: who qualifies, what the limits are, and where the terms change.
- ₹0to check, and no bureau pullNo enquiry fee and no credit-report pull. The application service on a product page, and heavier advisory work, are paid — and priced before you commit.
What opens, and what is still shut
Move your own numbers. The reasons are the ones the system gives.
6 of 10 families open at this point.
- Government schemeOpen
- Micro enterpriseOpen
- Founder personalOpen
- FranchiseOpen
- SecuredOpen
- EquipmentNeeds 24 months in business
- ReceivablesOpen
- Working capitalNeeds 24 months in business · Unlocks at ₹3,00,000/month in revenue
- TermNeeds 36 months in business · Unlocks at ₹5,00,000/month in revenue
- Project financeAvailable from the Scale stage onward · Needs 36 months in business · Unlocks at ₹10,00,000/month in revenue
On the public shelf, everything reads open. The gate only runs once there is a venture to evaluate. With no venture state it returns unlocked with no reasons, so an anonymous visitor browsing the catalogue sees all ten families regardless of what this figure says.
Months are counted in 30-day blocks, not calendar months, so twelve of them is 360 days. A venture is about three weeks short of what its first anniversary suggests.
Opening a family is not an offer, and nothing here is disbursed. No lender is empanelled, there is no submission adapter, and Ojas computes no credit score and pulls no bureau file or bank statement.
What works today, and what to plan around.
Every row is checked against the running product. Where something is partial or not built, the row says so.
What works
- Three free tools that compute in your browser
Eligibility, EMI with the full amortisation schedule, and working-capital sizing. No account, no bureau pull, and nothing you type is sent to us.
- A ten-family shelf you can open without a form
Plain-English eligibility and illustrative amount, rate and tenure bands on every product, published as ranges.
- A document checklist per entity type
Proprietorship, partnership, private limited, LLP — the papers a lender expects from that shape of business.
- Four government-scheme explainers and six funding-moment walkthroughs
Mudra, CGTMSE, PMEGP and Stand-Up India explained, and the moments a business needs money worked through — written out rather than gated.
- Seven borrower paths
Each written for the way one kind of business meets the shelf, with what is and is not in place for it.
- A free enquiry that reaches a named consultantLive in part
A reference is shown to you on submit. No fee and no credit-bureau pull.
We do not quote a turnaround for the first call: we have no operating record to measure one against.
- An application service, priced before you payLive in part
A flat fee, shown on a product page before you add it to the basket, buys a consultant’s review and preparation of your file.
It is not a sanction and not the lender’s own fee. No lender is obliged to approve, and with no lender panel there is nothing to submit to.
- A consultant workbench behind the desk
Applications and the product catalogue, worked in one console on the same backend as the shop, the invoices and the books.
What to plan around
- No lenders empanelled today.
Not one bank, NBFC, small finance bank or microfinance institution is empanelled with us, so we cannot submit your file or get you a sanction. The file you build here works with whichever lender you choose.
- Nothing here sanctions, disburses, tracks an EMI or services a loan.
None of that is built, here or behind the scenes. The EMI calculator shows the arithmetic before you sign.
- We cannot pull your bank statements electronically.
The account-aggregator plumbing records a consent and makes no call; going live needs a registration Ojas does not hold. You bring the statements.
- Nothing scores you.
There is no model reading your history and producing a number — a person reads the file, by hand.
- There is no borrower portal for a loan enquiry.
The reference is shown once, on submit; no page tracks it afterwards.
- No rate, fee or tenure on this site is a quote.
Every band is a published range of what a family of credit typically costs in India; only a lender underwriting your file can price it.
Nothing we have published as a limit has stopped being true yet. See the ledger
The desk we are actually building
What the desk is for, and how far each piece of it has come.
A desk where your own operating record is the loan file. You run the business; the orders, the invoices and the books accumulate as you go; and when you need money the file assembles out of records that already exist, instead of out of a shoebox of statements and a fortnight of your accountant’s time.
Credit that opens up as the venture grows, rather than a wall you either hit or don’t: the stage, the months in business and the monthly revenue each family expects, laid out so you can see what would open next.
And a panel of regulated lenders who will underwrite against that record. That is the piece that turns everything above into money in your account.
One thing holds with or without a panel: Ojas never holds your loan money. Disbursal and repayment move directly between you and the regulated lender. There is no Ojas pool account, by design, and it is not a feature we intend to add.
- Live in partYour record as the fileThe records are built and open today: orders with their payments, tax invoices and books. A consultant still assembles the file from them by hand, and nothing scores it.
- Live in partCredit that opens as you growEvery family carries its gate, and the figure above runs it on the numbers you set. The shelf does not apply it to you: every family reads open to every visitor, and no page applies it to your own operating record.
- Not builtA panel of regulated lendersNot one lender, not one in negotiation we could name — so nothing else on this page depends on it, and the rest is worth using today.
If you lend, or you advise people who borrow
An advisor gets a real workbench — the catalogue, an application pipeline, and a client book that stays theirs. A lender who talks to us now would be the first on a panel, defining the products and the criteria rather than inheriting somebody else’s.
Become an advisorTalk to us about lendingQuestions before you enquire
I only want to know what I’d qualify for. Do I have to talk to anyone?
No, and that is the whole point of the checker. Three things about the business decide the answer — how long you have been trading, your turnover, and what the money is for — and you get the families of credit that typically fit, with every rule it used written out below it. It computes in your browser: no account, no phone number, no credit-bureau pull, and nothing you type is sent to us or stored anywhere. If you want a person afterwards, that is a separate choice you make.
Do you have lenders yet?
No. No lender is empanelled with us at all — not a bank, an NBFC, a small finance bank or a microfinance institution — and none of the products on this shelf is offered by one. That means we cannot submit your file or get you a sanction. Everything else on this site — the shelf, the eligibility, the entity-wise document checklists, the free tools — works, and works for you regardless of who you eventually borrow from.
Then what is this shelf?
A map of business credit in India, organised by what you actually need the money for, with plain-English eligibility and a document checklist per entity type on each product. It is catalogue merchandising written by us, never an offer of credit from anybody, and it is useful before you borrow: most first applications fail on the wrong product or a missing document, and both are avoidable from a laptop.
Who would decide my loan?
The regulated lender — always, and by design. Ojas Loans is a Lending Service Provider: it never approves, sanctions or disburses credit, never sets a rate, and never holds a pool account. If and when we have a panel, loan money will move directly between you and the lender and never through Ojas. That is not a feature we intend to add later.
Are the rates on this site real quotes?
No — treat every rate, fee and tenure band here as illustrative. They are ranges we publish to show what a family of credit typically costs in the Indian market; no lender has quoted them to us. Only a lender underwriting your actual file can price it.
Do you charge borrowers?
Nothing to browse, nothing to use the tools, and nothing to enquire — no fee, and no credit-bureau pull. Two things are paid, and each is priced before you commit. The application service on a product page is a flat fee, shown before you add it to the basket; it buys a consultant’s review and preparation of your file, never a sanction, and it is separate from any processing fee a lender charges. Heavier advisory work, such as a bankable project report or a government-scheme application, is quoted and agreed in writing before any work begins. Separately, our intended model is a sourcing fee paid by a lender after a loan is disbursed — published before a rupee of it has ever moved, because none has.
Will using this hurt my credit score?
No. Nothing on this site touches your bureau record — not the checker, not the calculators, not an enquiry. Lenders check your credit only when you formally apply to them, and that is a step that happens away from here. Four lenders pulling your record in a month can make your position worse, which is why the work you can do beforehand is worth doing.
What happens to what I type into the tools?
Nothing leaves your browser. The eligibility checker, the EMI calculator and the working-capital calculator all compute locally — there is no request carrying your answers, no account, and no storage. The page itself loads our analytics, which is told that you opened it and never what you entered; the privacy policy sets that out plainly rather than in a schedule at the end.
And if I send an enquiry — where does that go?
To us, and only to us. It becomes an enquiry a named consultant picks up, and you get a reference on screen. It does not go to a lender, because there is no lender to send it to. There is no portal to log into and watch it move: the reference is shown once, and the next thing that happens is a consultant picking it up.
What happens after I enquire?
You get a reference on screen straight away. A named consultant then reads the business, tells you which family of credit fits, and gives you the document list to start assembling. We do not quote a turnaround for that first call, because we have no operating record to measure one against. With no lender to submit to, the file is then yours to take to whichever lender you choose.
My business is not a factory or a shop. Is this for me?
Yes. The desk is sector-agnostic on purpose, because a credit committee is: a weaver, a yoga school, a design studio and a machine shop get asked the same four questions about vintage, turnover, entity type and end use. Where a scheme or a family is genuinely built for a particular kind of business — a micro-enterprise group loan, a franchise fit-out loan — the product page says so.
I already run my business on Ojas. Does that change anything?
It changes what a consultant has to work with, not who decides. If your orders, tax invoices and books are already on Ojas, the file can be assembled out of records you keep anyway rather than out of a shoebox of statements. Two caveats: a person does that assembly by hand, and there is no computed score reading your operating history — that is not built.
Am I switching away from something by using this?
No, and there is nothing to migrate. You are not leaving a lender, cancelling a subscription or breaking a contract — today the alternative is a notebook, a branch visit and a website whose eligibility form is a sales call. You can use the checker, take the document list, and go and borrow from whoever you like. Nothing here holds anything of yours.
You’re not switching from anything.
There is nothing to migrate, no contract to break and no comparison to run — today the alternative is a notebook, a branch visit, and a website whose ‘check eligibility’ button is a sales call. Start with the checker: four questions, no account, nothing sent anywhere. If you want a person after that, a named consultant will read the business and tell you what fits — including when the honest answer is not yet.
Check what you'd qualify forTalk it through with a person