ojas.loansby Chitram.AI
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Receivables

Invoice discounting

Unlock cash stuck in 30–90 day invoices from corporate buyers.

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  • ₹1,00,000 – ₹1,00,00,000
  • 1–6 months
  • 14%–24% p.a. indicative
  • No collateral

Who this is for

Self-qualify honestly before you spend time on an enquiry.

Advance against receivables from creditworthy buyers — cash today against invoices that would otherwise pay in one to three months.

  • Invoices raised on creditworthy corporate buyers
  • GST-registered business
  • Verifiable delivery and acceptance trail for the invoices

How it works

Four honest steps — no instant-approval theatre.

  1. 1

    Check your eligibility

    A two-minute enquiry: purpose, amount, entity type and business vintage. No documents needed yet.

  2. 2

    A named consultant calls

    Within one working day, your consultant maps your requirement against the shelf and confirms the exact document checklist.

  3. 3

    Your file goes to matched lenders

    The consultant packages the file and carries it to regulated lenders whose criteria fit. Their underwriting sets the final rate and terms.

  4. 4

    The lender disburses to you directly

    Your consultant carries the file through sanction; money moves lender → you directly. Ojas never touches the loan amount.

Documents you'll need

Grouped by how your business is registered — your consultant confirms the final checklist on the first call.

LLP

  • LLP agreement
  • Certificate of incorporation
  • PAN of the LLP and designated partners
  • GST registration
  • Last 12 months' bank statements
  • Last 2 years' income-tax returns of the LLP
  • Sample invoices raised on the buyer
  • Buyer ledger or order history

Partnership

  • Partnership deed
  • PAN of the firm and all partners
  • GST registration
  • Last 12 months' bank statements
  • Last 2 years' income-tax returns of the firm
  • Sample invoices raised on the buyer
  • Buyer ledger or order history

Proprietorship

  • PAN of the proprietor
  • GST registration (if registered)
  • Udyam registration
  • Last 12 months' bank statements
  • Last 2 years' income-tax returns with computation
  • Sample invoices raised on the buyer
  • Buyer ledger or order history

Private limited

  • Certificate of incorporation
  • Memorandum and articles of association
  • PAN of the company and directors
  • GST registration
  • Last 12 months' bank statements
  • Last 2 years' audited financial statements
  • Sample invoices raised on the buyer
  • Buyer ledger or order history

Estimate your EMI

Seeded with this product's bands (14%–24% p.a. indicative). Final terms are set by the lender's underwriting.

Monthly EMI₹876366.89
Total interest₹208201.37
Total payable₹5258201.37

Indicative only — final terms are set by the lender's underwriting.

Check your eligibility

Straight answers

The questions borrowers actually ask about this product.

Who actually lends the money?

A regulated lender — a bank or NBFC — never Ojas. We are a lending service provider: your consultant packages the file and carries it to matched lenders. The loan agreement is between you and the lender, and the money moves from the lender to your account directly.

Is the 14%–24% rate guaranteed?

No. 14%–24% per annum is the indicative band for this product. The final rate is set by the lender's underwriting of your file — financials, business vintage, banking conduct and security all move it.

Do I need collateral?

This product sits on the shelf as unsecured — no collateral is required to apply. Lenders may still ask for personal guarantees as part of their underwriting; your consultant flags that before you commit.

What fees will I pay?

The lender's processing fee runs up to 1.5% of the sanctioned amount and is disclosed in the sanction letter before you accept. We also tell you exactly how Ojas is paid before you sign anything.

How fast will this move?

A named consultant calls within one working day of your enquiry. Sanction and disbursal timelines depend on the lender and how complete your documents are — we never promise instant disbursal.

Ready to take Invoice discounting forward?

Check your eligibility in two minutes, or talk to an advisor first. Ojas is a lending service provider — the lender decides, and we tell you how we're paid before you sign anything.

Check eligibilityTalk to an advisor