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. Alongside them, plain-English explainers for the four schemes built for a thin file — Mudra, CGTMSE, PMEGP and Stand-Up India. And the part most sites bury: Ojas Loans is never the lender, and no lender is empanelled with us at all — so nothing here can be submitted to one.
- Nothing you type in the tools leaves your browser
- ₹0 to check, and never a credit-bureau pull
- Ojas is never the lender, by design
- No lender is empanelled — said here, not in a footnote
- 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; we don’t have one of those yet.
Practitioners and teachers
An ayurvedic clinic, a yoga school that certifies teachers, a gurukulam (a residential teaching school), a music or dance school, a 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
A weaver, a natural dyer, a potter, a ghani oil maker (who runs a traditional cold-press oil mill), a millet enterprise, an FPO, a beekeeper. The yarn, the seed and the labour have to be paid for months before anybody buys the finished thing.
Shops, brands and traders
A D2C label, a retail counter, a distributor, a 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
A design studio, a CA or CS practice, an events operator, a four-person consultancy. Work delivered in April, signed off in May, paid in July — and salaries every month in between.
Manufacturers and franchise operators
A workshop with a machine that should have been replaced two years ago. One outlet that works and the money for the second one sitting in a spreadsheet marked 'next year'.
First-time and micro founders
No collateral, no credit history, no audited returns — and a government scheme built for exactly that situation which nobody at the branch has ever explained 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 a profile like yours, and every rule the checker used is written out underneath, so you can argue with the reasoning and not just the answer. 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 actually for, rather than by whichever bank’s brochure you happened to pick up. Working capital, term, equipment, receivables, secured, government scheme, franchise, founder personal, micro and project — with illustrative amount, rate and tenure bands on every product, published as ranges and never as a quote.
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 both of those you can settle from a laptop at no cost, 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 one fits yours is most of the job. Four explainers that say who qualifies, what the limits are, and where the terms change — written out rather than left for you to reverse-engineer from a circular.
The arithmetic, exactly
A reducing-balance EMI calculator with the full month-by-month schedule, and a working-capital sizing 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. Free, no bureau pull, and no file parked in a queue we cannot move — because right now we cannot move one at all.
The record is the half you can actually build
The record is the half you can actually build
Ojas Loans is the credit desk of the Ojas ecosystem, and it 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. Two caveats we would rather say than have you discover: a person does that assembly by hand, and there is no computed score reading your operating history. That is not built.
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
- Assembled by a person, not by a score — computed scoring is not built
Ten families, organised by what the money is for
Not by which bank’s brochure you happened to pick up. Nothing here sits behind a form: open any product and you get 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.
Working-capital demand loan
Browse working capital loansTerm
Multi-year money for a business with a few years behind it and somewhere to go.
Business term loan
Browse term loansEquipment
The machine, the kitchen, the loom, the plant — the thing itself anchors the loan.
Machinery & equipment loan
Browse equipment loansReceivables
Money stuck with a buyer for ninety days, released now against the invoice.
Invoice discounting
Browse receivables loansSecured
Bigger tickets against property or securities, for business use.
Loan against property (business end-use)
Browse secured loansGovernment scheme
Mudra, CGTMSE-covered, PMEGP — the door built for a thin file and no collateral.
CGTMSE collateral-free term loan · Mudra loan (PMMY)
Browse government scheme loansFranchise
The fee, the fit-out, the second unit — turning one proven outlet into three.
Franchise-fee funding · Venture acquisition loan
Browse franchise loansFounder personal
Personal credit put into the business, labelled as exactly that rather than dressed up.
Founder personal loan (business use, disclosed)
Browse founder personal loansMicro enterprise
Group and community credit, where the group's standing stands in for collateral.
Micro-enterprise group loan
Browse micro enterprise loansProject finance
A bankable project, with the report support that makes it readable.
Project finance with DPR support
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 one says plainly what is not true for it yet.
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
- 0lenders empanelled todayThe number we like least and will not dress up. No bank or NBFC is signed with us, so nothing on this site can be submitted to one.
- Nothingyou type leaves your browserThe three free tools compute locally and send your answers nowhere. The page still loads our analytics, which is told you opened it and never what you entered — the privacy policy spells that out.
- ₹0to check, and no bureau pullNo enquiry fee and no credit-report pull. Heavy advisory work — a project report, a scheme application — is separate, and quoted in writing before it starts.
- Nomodel reads your historyNothing here scores you. There is no computed score reading your operating history, so a file is read and assembled by a person — slower than a number, and we would rather say so than let the word ‘platform’ imply otherwise.
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 runs today, and what does not
You would find the second column out for yourself inside a week, so there is no point in our pretending. Read it now and decide whether the first column is still worth your afternoon.
Real, open, and free to use
- Three free tools. Eligibility, EMI with the full amortisation schedule, and working-capital sizing, all computing in your browser.
- A ten-family shelf you can open without a form. Plain-English eligibility and illustrative bands on every product.
- A document checklist per entity type. Proprietorship, partnership, private limited, LLP.
- Four government-scheme explainers and six funding-moment walkthroughs. Written out rather than gated.
- Seven borrower paths. Each naming plainly what is not true for it yet.
- A free enquiry that reaches a named consultant. A reference is shown to you on submit.
Not thin — absent
- There is no lender panel. Not one bank, NBFC, small finance bank or microfinance institution is empanelled with us — so we cannot submit your file, cannot get you a sanction, and will not take an application we have nowhere to carry.
- Nothing here sanctions, disburses, tracks an EMI or services a loan. None of that is built, here or behind the scenes.
- We cannot pull your bank statements electronically. The account-aggregator plumbing records a consent and makes no call; going live needs an RBI registration Ojas does not hold. You assemble statements yourself.
- 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. You get a reference on screen; there is no page to log into and watch it move, because there is nowhere yet for it to move to.
- No rate, fee or tenure on this site is a quote. Every band is a published range showing what a family of credit typically costs in the Indian market. Only a lender underwriting your actual file can price it.
- 1
Check for yourself, free
Four questions in the browser-side checker, or a short enquiry about the business and what you need. No account, no fee, and never a credit-bureau pull.
- 2
Talk to a named consultant
A person reads the business and says which family of credit fits — including when the honest answer is not yet. We do not quote a turnaround, because we have no operating record to measure one against.
- 3
You leave with the file list, not a runaround
The document checklist for your entity type, an illustrative sizing band, and the questions any lender will ask. Worth having whoever you end up borrowing from.
- 4
And then it stops, for now
We have no lender panel, so we cannot submit your file, and we will not take an application we cannot carry. That is the honest end of the path today.
Nothing we have published as a limit has stopped being true yet. See the ledger
The desk we are actually building
Now that you know what is here, here is what it is for — with the unbuilt part named in the same sentence each time, not in a roadmap page nobody reads.
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. The records half of that is built and you can open it today. The assembly is still a person doing it by hand, and there is no computed score.
Credit that opens up as the venture grows, rather than a wall you either hit or don’t. A product can already carry the stage, the trading vintage and the monthly revenue it expects, and a consultant can configure those. What does not exist is any screen on this site that shows you what you would qualify for next, or why a product is out of reach today. That is a real gap, and we would rather name it than demonstrate it.
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, and it does not exist. Not one lender, not one in negotiation we could name. Nothing else on this page depends on it, which is exactly why the rest is worth using today — but we are not going to describe a panel we do not have.
One thing that will not change when the panel arrives: 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.
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 talking to us now would be the first on a panel that does not exist yet, which means defining the products and the criteria rather than inheriting somebody else’s.
Become an advisorTalk to us about lendingQuestions, answered honestly
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 bank, NBFC, small finance bank or microfinance institution is empanelled with Ojas Loans today, and none of the products on this shelf is offered by one. That means we cannot submit your file, cannot get you a sanction, and will not take an application we have nowhere to carry. 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. It is genuinely 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, because no lender is empanelled with 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. Where you separately ask for heavy advisory work, such as a bankable project report or a government-scheme application, the fee 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 is a real way to make your position worse, which is exactly 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 also no portal to log into and watch it move — the reference is shown once, and the next thing that happens is a person calling you.
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. Today that is where the path ends, honestly and by our own choosing, rather than parking your file in a queue that goes nowhere.
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 honest caveats: a person does that assembly by hand, and there is no computed score reading your operating history — that is not built, and we would rather say so than let the word ‘platform’ imply it.
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