The financing arm of the Ojas ecosystem — and how we make money, in the open.
We are a Lending Service Provider and advisory desk, never the lender. We publish how we get paid because a marketplace whose incentives you can't see isn't one you should trust.
- Not the lender
- We publish our incentives
- ₹0 to check eligibility
- One named consultant
We compare, advise, and carry the file — we don't lend
Regulated banks and NBFCs lend the money: they underwrite, sanction, disburse, and collect. Ojas Loans sits in front of that — we compare products across the lender panel, advise you honestly, and assemble the file lenders actually ask for. Loan money always moves directly between you and the regulated lender. There is no Ojas pool account, and we never take custody of your loan.
How it works- The regulated lender underwrites, sanctions and disburses — every time
- We compare the panel, advise you, and carry your file to a decision
- Loan money moves borrower ↔ lender directly — no Ojas pool account
- Rates we show are indicative, always subject to lender underwriting
How we get paid
A desk you can trust is one whose incentives you can read. There are exactly two ways money reaches Ojas Loans, and here they both are.
1 · A lender-paid sourcing fee, after disbursal
When a regulated lender sanctions and disburses a loan on a file we assembled, that lender pays Ojas Loans a sourcing fee. It is paid by the lender, not by you, and only after the money has reached you — so we earn when a real loan actually funds, not for sending applications into a queue.
2 · Disclosed advisory fees, agreed up front
For heavy work — a bankable project report, a government-scheme application, multi-lender structuring — we charge an advisory fee. It is quoted and agreed with you in writing before any work begins, so you always decide with the price in front of you. Checking eligibility and being matched to lenders is never part of it.
See how the work is scopedWe never charge you just to apply. Checking eligibility and being matched to lenders is free — no enquiry fee, and no credit-score pull to hand you a reference. You only ever pay for advisory work you separately choose, at a price agreed with you in advance.
Honest scope — a sourcing fee is paid by the lender only after a loan actually funds, so we are never paid for pushing applications that go nowhere. What we cannot do is guarantee a rate or a sanction — those stay with the regulated lender.
One operating system behind every Ojas venture line
Ojas Loans runs on the same operating system as every Ojas venture — events companies, franchises, D2C brands, services firms. Ventures that already keep their orders, settlements and books on Ojas can turn that operating history into a stronger lender file: real revenue and settlement records instead of a shoebox of statements. Today a consultant assembles that evidence by hand — honestly, that is the product. Computed lender scoring from your operating history is on the roadmap, not live.
Check eligibility- The same backend your venture already runs on, behind the credit desk
- Order, revenue and settlement records your consultant can cite to a lender
- A file built from evidence you already keep — not paperwork you scramble for
- Computed scoring from operating history is roadmap, not a current promise
- Indicative rates, never a false promise
- A named consultant on every file
- Your data shared only with your consent
- Money moves borrower ↔ lender directly
Questions, answered honestly
Are you an RBI-regulated lender?
No. Ojas Loans is a Lending Service Provider (LSP) and advisory desk — we are not a bank or an NBFC, and we do not hold a lending licence. We compare products, advise you, and carry your file; regulated lenders underwrite, sanction and disburse. Loan money always moves directly between you and the lender — there is no Ojas pool account.
Who decides my loan?
The regulated lender — always. Ojas Loans never approves, sanctions, or disburses credit, and never sets your rate. Every rate we show is indicative and subject to lender underwriting. Our job is to make your file as strong as it honestly can be and match it to a lender built to say yes to it; the lender makes the decision.
How do you get paid?
Two disclosed ways. First, lenders pay us a sourcing fee after a loan they sanctioned is disbursed. Second, borrowers who choose heavier advisory work — project reports, scheme applications, structuring — pay a fee that is quoted and agreed before any work begins. We publish this because a marketplace whose incentives you can't see isn't one you should trust.
Do you charge borrowers just to apply?
Never. Checking eligibility and being matched to lenders is free — we do not charge you to apply and we do not pull your credit score to give you an enquiry reference. You only ever pay when you separately choose paid advisory work, and only at a price agreed with you in advance.
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