Run a credit advisory desk with Ojas Loans
You advise; a regulated lender lends — you carry zero balance-sheet risk, and your client book stays yours. Read the scope before you decide: no lender is empanelled with Ojas Loans yet, so a partner today is building a practice alongside a desk, not plugging into a running one.
- Zero balance-sheet risk
- Terms agreed in writing
- Consultant workbench
- No lender panel yet
Who this is for
Four kinds of professional already sit where credit decisions happen. If that is you, this is the desk being built around you.
Chartered accountants & tax practitioners
You already see your clients' financials and know exactly when they need credit. Turn those moments into an advisory line — on a shelf and a workbench that are built, with a lender panel that is not yet.
Ex-bankers
You've assessed credit files for years and know what actually gets sanctioned. Keep doing what you're best at — on your own terms, without the branch targets.
Franchise & venture consultants
Every franchise fee, fit-out, and expansion you advise on needs financing. Close the loop with the Ojas ecosystem's own credit desk.
Finance solopreneurs
Run an independent credit practice on a real workbench — the catalogue and the application pipeline — instead of spreadsheets and follow-up calls.
How joining works
A human process, on purpose — no self-serve signup. A real person handles every step, starting with your application.
- 1
Apply
Send the enquiry below with your background and city — it takes two minutes.
- 2
Talk
An Ojas Loans consultant gets in touch to understand your practice.
- 3
Meet
We walk through the catalogue, the workbench, and how payment would work — and answer everything.
- 4
Sign
A signed partner agreement sets the terms; onboarding and Academy training follow.
Commission slabs agreed in writing, paid by hand
We do not publish one-size percentages, because slabs vary by product family and by what each lender pays — your slabs are agreed with you in writing during onboarding. Automated slab computation and ledger-backed settlement are not built in this product, so a payout would be worked out and paid against your signed slabs by a person. Nothing has been paid yet, because no lender is empanelled and no loan has been sourced through this desk.
Apply to partnerWhat’s included
- The consultant workbench on the Ojas management console — loan products, the application pipeline, and the lender register, in one place.
- The ten-family loan catalogue — working capital, term, equipment, receivables, secured, government schemes, franchise, founder personal, micro and project finance — each with illustrative bands and a document checklist per entity type.
- Academy onboarding — human-led training; certification is not built.
- Your client book stays yours — a standing commitment of the programme.
Partner questions, answered straight
Who owns my client book?
You do — it's a standing commitment, not fine print. Clients you bring stay attributed to you, and if you ever leave the programme your book leaves with you.
What are the commission percentages?
Slab-wise, agreed in writing during onboarding — slabs vary by product family and by what each lender pays, so we do not publish one-size numbers. No lender is empanelled with Ojas Loans yet, so no slab has been earned by anyone. The automated commission posting that would compute and settle each payout on Ojas's double-entry ledger is not built in this product: a payout would be computed and paid manually against your signed slabs.
When would commissions get paid?
The intended arrangement is payment after a lender's payout to Ojas is confirmed, typically in the settlement cycle after disbursal. Lender payouts are not instant, so we do not promise instant commissions. Nothing has been agreed with a lender and none has been paid, because no loan has been sourced through this desk.
Do I have to work exclusively with Ojas Loans?
No. We ask for honest attribution — a file you run through Ojas carries your code — but we don't lock you out of your existing lender or client relationships.
Is onboarding self-serve?
Not today — it's a deliberately human process: apply, a conversation, a meeting, and a signed agreement. Academy training is human-led too. Self-serve onboarding and certification are not built.
What's live today, and what isn't?
Live: the ten-family product catalogue with per-entity-type document checklists, the consultant workbench on the Ojas management console (loan products, the application pipeline, and the lender register), the borrower enquiry intake, and human-led onboarding. Not built: a lender panel of any size, automated submission to a lender, automated ledger-backed commission settlement, certification, and self-serve onboarding.
Apply to partner
Tell us about your practice — an Ojas Loans consultant gets in touch.