An honest path — including where it stops
Four steps that run today, then the file is yours to take to a lender: none is empanelled with Ojas Loans, so nothing is submitted from here. Everything before that point works, starts with a free enquiry, and is worth having whoever you eventually borrow from.
- Free, and no bureau pull
- No lender panel yet
- Every rate here is illustrative
- Ojas is never the lender
The credit journey, step by step
From a free enquiry to the file you take to a lender.
- 1
Check what fits, free
A short enquiry about your venture and what you need — free, and never a credit-score pull.
- 2
A consultant reads it
A consultant reads the business and tells you which family of credit fits it.
- 3
Narrow the shelf to what actually fits
A consultant matches your situation to a family of credit on the shelf and says plainly why the others do not fit — including when the honest answer is not yet.
- 4
You get the file list, not a runaround
The document checklist for your entity type, an illustrative sizing band, and the questions any credit committee will ask. Worth having whoever you end up borrowing from.
- 5
You take it to a lender
The file is yours to take to whichever lender you choose: no lender is empanelled with Ojas Loans, so nothing is submitted from here.
Which credit fits where you actually are
A flat shelf shows a two-week-old business a loan it cannot qualify for. This one is organised by what the money is for, and every product states what it expects — so you can rule things out yourself, in about five minutes.
Every product states what it expects
Each product carries typed criteria — eligible stages, months in operation, monthly revenue, entity and venture type — and its page puts them in plain English next to the document checklist for your entity type. The homepage carries a figure that runs those criteria on the stage, months in business and revenue you set, and shows which families open and why the others stay shut; the shelf itself applies them to nobody, so every family reads open to every visitor. A product appearing is never an offer of credit; it means it is worth a conversation.
Browse the shelf- 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
- The criteria are printed on the product page — nothing is hidden behind a form
What actually changes for you
There are no customer quotes here yet — you would be among the first. Here is the mechanism behind each claim instead.
The drag
LiveYou do not know which of ten kinds of business credit you should even be asking for.
Ojas does this
A shelf organised by what the money is for, with plain-English eligibility and a document checklist per entity type on every product.
You gain
You walk into any lender asking for the right thing, with the right papers.
The drag
LiveMany eligibility checkers are a lead form wearing a calculator.
Ojas does this
Ours computes in your browser from a short form and a published rule list. No account, no bureau pull, and nothing sent anywhere.
You gain
An honest read on where you stand that costs you no data at all.
The drag
Not builtOnce you know what to ask for, you still have to find a lender yourself and get the file in front of them.
Ojas does this
A lender panel would shortlist across lenders and submit the file to one. It is not part of the product today: the file you build here is yours to take to any lender you choose.
You gain
The papers and the ask are ready when you reach the lender.
Honest scope — a consultant reads your situation by hand, using the operating history you already keep on Ojas where there is any. Computed credit scoring, automatic in-app offers and any form of submission to a lender are not built, and a lender would still underwrite and decide.
A desk whose incentives you can read
We publish how we are and intend to be paid, because a desk whose incentives you cannot see is not one you should trust. Three ways, none of them a charge to enquire: a flat application service fee, shown on a product page before you add it to the basket, which buys a consultant’s review and preparation of your file; a quoted advisory fee for heavy work you separately choose; and, as intent only, a lender-paid sourcing fee after a loan that lender sanctioned is disbursed. No sourcing fee has ever been paid to us, because no loan has been sourced through us.
Read how we get paid- ₹0 to check, to browse, or to enquire — always
- The application service fee is shown before you add it to the basket
- Any advisory fee is quoted and agreed up front, in writing
- A lender sourcing fee would be paid only after a sanctioned loan disburses
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?
Browsing the shelf, using the tools and sending an enquiry cost nothing and involve no credit-bureau pull. Two things are paid, each priced before you commit: the application service on a product page is a flat fee, shown before you add it to the basket, and it buys a consultant’s review and preparation of your file; heavier advisory work — a project report, a government-scheme application — is quoted and agreed in writing before any work begins.
So can you actually get me a loan?
Not today. No bank, NBFC, small finance bank or microfinance institution is empanelled with Ojas Loans, so there is nobody for us to submit a file to. What we can do is tell you which of the ten families of business credit fits your situation, what a lender will ask you to produce, and roughly what that family costs in the market — and then the file is yours to take to a lender.
What are the eligibility criteria on each product?
Each product carries typed criteria — eligible stages, a business-vintage floor, a monthly-revenue floor, entity and venture type — and its product page states them in plain English along with the document checklist for your entity type. The homepage carries a figure that runs those criteria on the stage, months in business and revenue you set, and shows which families open and why the others stay shut; the shelf itself applies them to nobody, so every family reads open to every visitor.
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.
Work out what to ask for
A short enquiry, a reference id straight away, and a consultant who tells you which family of credit fits and what to assemble. Free, with no credit-bureau pull.
Talk it throughUse the free tools first