Reach qualified, pre-advised borrowers — you keep full credit authority.
Ojas Loans routes criteria-matched, document-complete MSME and venture files to your desk. You underwrite, sanction and disburse; you remain the lender of record and loan money moves borrower ↔ you directly. Ojas is a Lending Service Provider — never the lender.
- You keep the decision
- Criteria-matched files
- Venture-first borrower base
- Auditable settlement
- You keep the underwriting decision
- Pre-advised, document-complete files
- Configure your product criteria once
- Reach the whole Ojas venture ecosystem
- You are the lender of record — money moves borrower ↔ you
Why route Ojas files
Distribution and a qualified pipeline without the overhead — a cleaner underwriting queue at a lower acquisition cost, from a borrower base the open market can't target as precisely.
Lower acquisition cost
Files arrive after borrower self-qualification and a named consultant, so you spend underwriting time on live deals — not on chasing and filtering cold enquiries. You pay a disclosed sourcing fee only after a loan you sanctioned disburses.
Document-complete files
Every file is assembled against a document checklist keyed to the borrower's entity type — proprietorship, partnership, private limited or LLP — so the usual reasons a file stalls at intake are handled before it reaches your queue.
Milestone-matched borrowers
Set structured criteria on each product — stage, business vintage, monthly revenue, entity and venture type — and it surfaces only to ventures that already meet them. Fewer files you'd decline on sight; more that fit your box.
Ecosystem deal flow
Ventures running on Ojas keep their orders, settlements and books on the platform this desk runs on. That is a venture-first borrower base — with readable operating history — that the open market can't target as precisely.
Configure once, receive matched borrowers
You set the product: the amount, rate, tenure and fee bands, the collateral flag, the government-scheme tag, the per-entity-type document checklist, and the structured eligibility criteria — venture stage, business vintage, monthly revenue and entity type. The milestone engine then unlocks that product to exactly the ventures that qualify, showing everyone else an honest lock reason instead of a dead-end application. You define the box; the shelf routes the right files into it.
See how it worksThe criteria you set
- Venture stage
- Business vintage
- Monthly revenue
- Entity type
- Venture type
- Amount, rate & tenure bands
- Collateral flag
- Government-scheme tag
Honest scope — bands on the shelf are indicative merchandising; every file stays subject to your underwriting, and a product appearing to a borrower is never an offer of credit.
How empanelment works
A deliberately human process — a conversation, an agreement, and a configuration. No self-serve signup, and no borrower data moves before the agreement is signed.
- 1
Introduce
Tell us who you are and the segments you lend to. Our partnerships team meets you to understand your credit appetite — no obligation, no data exchange yet.
- 2
Align
We agree the products, the borrower criteria that fit your box, and the commercials — the disclosed sourcing fee and the settlement cycle — in a signed panel agreement.
- 3
Configure
Your products are listed with their indicative bands and the structured milestone criteria that unlock them to exactly the ventures that qualify.
- 4
Receive files
Criteria-matched, document-complete files reach you. You underwrite, sanction and disburse; money moves borrower ↔ you directly, and the sourcing fee settles after disbursal.
Lender questions, answered straight
Does Ojas lend or take credit risk?
No. You are the RBI-regulated lender of record — you underwrite, sanction, disburse, price the loan, and carry the risk. Ojas Loans is a Lending Service Provider and Loan Origination System: it matches, advises and assembles the file, and never books a loan, holds a pool account, or touches loan corpus. Loan money moves borrower ↔ you directly; the Ojas ledger only ever carries Ojas's own sourcing revenue.
How are files pre-advised?
Before a file reaches you it has been through borrower self-qualification, a named consultant who owns the case, and a document checklist keyed to the borrower's entity type. The milestone engine only surfaces your product to ventures that meet the stage, vintage and revenue criteria you set — so what lands in your queue is criteria-matched and document-complete, not raw enquiries.
How do you get paid?
A lender-paid sourcing fee, disclosed and agreed in the panel agreement, triggered on disbursal — never on application, and never charged to the borrower. Each payout is recorded as one balanced double-entry journal on the Ojas ledger, so settlement is auditable rather than opaque invoicing. If a file is cancelled inside the window, the reversing journal posts through the same path.
Do you share borrower data?
Consent-based and indicative. A borrower's documents and operating history are shared through their consent flow so you can underwrite a complete file; nothing moves without it. Rate, fee and tenure bands on the shelf are indicative merchandising — they stay subject to your underwriting until you price the actual file. A product appearing to a borrower is never an offer of credit.
Honest scope — empanelment and file exchange are relationship-led today: your partnerships contact and consultants carry it. A self-serve lender portal, structured programmatic file-submission APIs, and webhook callbacks are [roadmap], not current features — we say what isn’t built rather than imply it is.
Put your products in front of qualified files
Talk to our partnerships team about the segments you lend to. You keep full credit authority; Ojas keeps full funnel accountability — and every file reaches you pre-advised, document-complete, and criteria-matched.
Talk to partnershipsSee the borrower side