An honest path from enquiry to sanction
Check eligibility free, a named consultant carries your file, and the regulated lender decides. We are not the lender — loan money moves directly from the lender to you.
- Free to check
- A named consultant on every file
- Money moves lender → you
- Rates always indicative
The credit journey, step by step
No instant-approval theatre and no hidden fees — just five honest steps, 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 from here on.
- 3
Compare lenders and assemble the file
Your consultant matches products across the lender panel and builds the evidence lenders actually ask for.
- 4
The lender underwrites and sanctions
The regulated lender reads the file, prices your loan on your real profile, and makes the decision — always theirs, never ours.
- 5
Money moves lender → you directly
Loan money moves straight between you and the lender, who services the loan. It never passes through Ojas.
The right credit unlocks as your venture grows
A flat shelf shows a two-week-old venture a loan it can't qualify for. Ours reads where your venture actually is, and shows what fits today — and what opens next.
Products that unlock as you cross real milestones
Lending partners set the criteria for each product — lifecycle stage, months in operation, monthly revenue, entity type. As your venture crosses those milestones, the products built for you show as available instead of out of reach. You always see the whole shelf and exactly what unlocks next, and a product appearing is never an offer of credit — it just means it's worth a conversation now.
Check eligibility- Just starting out → government schemes and micro credit, built for thin files
- Operating with steady orders → working capital, equipment and receivables finance
- Scaling across units and markets → term, franchise and project finance
- Every locked product shows the plain reason and what opens it — no dead-end applications
What actually changes for you
No testimonials — just the concrete mechanism behind every claim.
The drag
LiveScattered offers and a dozen bank forms, each a fresh rejection.
Ojas does this
One curated shortlist across the lender panel, and a named consultant who owns the file end to end.
You gain
A single, well-matched application — not a stack of dead-end ones.
The drag
LiveOpaque eligibility — you never learn why the answer was no.
Ojas does this
Clear, honest criteria per product; a locked product shows the plain reason and exactly what unlocks it.
You gain
A path forward with named next steps, instead of a silent rejection.
The drag
LiveNo track record a mainstream bank will read.
Ojas does this
Your Ojas operating history — orders, settlements, ledger — assembled into the evidence lenders ask for.
You gain
A file that stands on real records, not a shoebox of statements.
Honest scope — computed alternative credit scoring and automatic in-app offers are on the roadmap. Today a named consultant assembles your file by hand, reading the operating history you already keep on Ojas — the lender still underwrites and decides.
A marketplace you can see the incentives of
We publish how we get paid, because a marketplace whose incentives you can't see isn't one you should trust. Two disclosed ways, and neither is a charge for you to apply: regulated lenders pay us a sourcing fee after a loan they sanctioned is disbursed, and borrowers who choose heavier advisory work pay a fee quoted and agreed before any work begins.
Read how we get paid- ₹0 to check eligibility or to apply — always
- Lender sourcing fee paid only after a sanctioned loan is disbursed
- Any advisory fee is quoted and agreed up front, in writing
Questions, answered honestly
Do you approve my loan?
No. Ojas Loans is a Lending Service Provider, not a lender — we never approve, sanction, or disburse credit. The regulated lender (a bank or NBFC) underwrites your file and makes the decision, and loan money moves directly between you and that lender.
Is it really free?
Checking eligibility and being matched to lenders is free — we never charge you just to apply. Only if you ask for heavier advisory work, like a project report or a government-scheme application, is there a fee, and it is quoted and agreed before any work begins.
What does 'unlocks as you grow' mean?
Lending partners set the criteria for each product — stage, business vintage, monthly revenue, entity type. As your venture crosses those milestones, the products built for you show up as available instead of out of reach. You always see the whole shelf and what unlocks next. A product appearing is never an offer of credit.
Do you pull my credit score?
No. Checking eligibility on Ojas Loans is not a credit-bureau pull. Only the regulated lender pulls your score, and only when you formally apply to them — so browsing the shelf and checking eligibility never touches your bureau record.
See what your venture qualifies for
A short enquiry, a reference id straight away, 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