No collateral
Working-capital demand loan
Bridge daily operations and seasonal spikes without touching growth capital.
- Amount
- ₹2,00,000 – ₹50,00,000
- Rate
- 14.5%–22% p.a. illustrative
- Tenure
- 12–36 months
View details
The loan shelf
Credit for every stage of your venture
A map of business credit, organised by what the money is for. Every amount, rate, tenure and fee band below is illustrative — a range we publish to show what a family of credit typically costs in the Indian market, not a figure any lender has quoted us. No lender is empanelled with Ojas Loans today, so nothing here is an offer of credit and no file can be submitted through us. Ojas is a lending service provider and is never the lender.
Working capital
Term
- No collateral
Business term loan
Fund expansion, fit-outs, and long-horizon growth with fixed EMIs.
- Amount
- ₹5,00,000 – ₹2,00,00,000
- Rate
- 13%–20% p.a. illustrative
- Tenure
- 24–84 months
View details
Equipment
- No collateral
Machinery & equipment loan
Buy the machine first — the machine itself backs the loan.
- Amount
- ₹3,00,000 – ₹1,50,00,000
- Rate
- 12%–19% p.a. illustrative
- Tenure
- 12–72 months
View details
Receivables
- No collateral
Invoice discounting
Unlock cash stuck in 30–90 day invoices from corporate buyers.
- Amount
- ₹1,00,000 – ₹1,00,00,000
- Rate
- 14%–24% p.a. illustrative
- Tenure
- 1–6 months
View details
Secured
- Collateral-backed
Loan against property (business end-use)
Larger tickets and longer tenures against residential or commercial property.
- Amount
- ₹10,00,000 – ₹5,00,00,000
- Rate
- 9.5%–14% p.a. illustrative
- Tenure
- 60–180 months
View details
Government scheme
- CGTMSENo collateral
CGTMSE collateral-free term loan
Collateral-free credit for micro and small enterprises under the CGTMSE guarantee.
- Amount
- ₹5,00,000 – ₹2,00,00,000
- Rate
- 10%–16% p.a. illustrative
- Tenure
- 12–84 months
View details - PMMYNo collateral
Mudra loan (PMMY)
Government-backed credit for micro enterprises, up to ₹10 lakh.
- Amount
- ₹50,000 – ₹10,00,000
- Rate
- 9%–14% p.a. illustrative
- Tenure
- 12–60 months
View details
Franchise
- No collateral
Franchise-fee funding
Fund the franchise fee and launch stock for your next unit.
- Amount
- ₹5,00,000 – ₹1,00,00,000
- Rate
- 14%–21% p.a. illustrative
- Tenure
- 24–72 months
View details - Collateral-backed
Venture acquisition loan
Buy an operating business with the cash flows to repay the purchase.
- Amount
- ₹25,00,000 – ₹5,00,00,000
- Rate
- 13%–19% p.a. illustrative
- Tenure
- 36–120 months
View details
Founder personal
- No collateral
Founder personal loan (business use, disclosed)
A personal loan for business use — disclosed as exactly that.
- Amount
- ₹1,00,000 – ₹40,00,000
- Rate
- 15%–24% p.a. illustrative
- Tenure
- 12–60 months
View details
Micro enterprise
- No collateral
Micro-enterprise group loan
Group-backed working credit for community-scale operators.
- Amount
- ₹25,000 – ₹5,00,000
- Rate
- 18%–26% p.a. illustrative
- Tenure
- 6–36 months
View details
Project finance
- Collateral-backed
Project finance with DPR support
Bankable project loans with detailed-project-report preparation support.
- Amount
- ₹50,00,000 – ₹25,00,00,000
- Rate
- 10.5%–15% p.a. illustrative
- Tenure
- 60–180 months
View details
Not sure which product fits?
Use the free checker — four questions, computed in your browser, nothing sent anywhere — or let a consultant map your requirement in a call. Every band on this page is illustrative; a lender would price your actual file, and we have none empanelled yet.
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