Funding scenario
The bank said no
A bank's no is one lender's answer to one version of your file — not a verdict on your business. What to fix, and which doors are actually open.
A rejection usually means one of a handful of concrete things: thin operating history, no collateral, messy bank statements, low reported income — or a simple product mismatch, where you asked that bank for the one thing it doesn't do. None of those is a verdict on your business.
The useful move is diagnosis, not despair. Each reason has a different answer: scheme-backed, collateral-free routes like CGTMSE and Mudra exist precisely for the no-collateral file; secured lending reprices the risk if you own property; micro-enterprise lenders underwrite realities that mainstream banks won't.
What we won't do is promise an approval. A consultant reads the file, tells you which reasons actually apply, and either matches you to a lender that underwrites your profile — or tells you honestly what six months of fixes look like.
What usually goes wrong
Not a scare list — just the mistakes we see most, so you can skip them.
- Applying to five more lenders with the same unchanged file — and collecting five more rejections.
- Never asking the bank why — the rejection reason is the roadmap.
- Routing business income through personal accounts, so the business looks smaller on paper than it is.
- Trusting "guaranteed approval" agents — in lending, a guarantee is a warning sign.
Products that usually fit this moment
From the live shelf. Every band is indicative and subject to lender underwriting — Ojas Loans is a lending service provider, never the lender.
Government scheme
CGTMSE and Mudra routes are designed for exactly the collateral-gap and vintage-gap files banks decline.
CGTMSE collateral-free term loan
Collateral-free credit for micro and small enterprises under the CGTMSE guarantee.
- Amount
- ₹5,00,000.00 – ₹2,00,00,000.00
- Indicative rate
- 10%–16% p.a.
- Tenure
- 12–84 months
Mudra loan (PMMY)
Government-backed credit for micro enterprises, up to ₹10 lakh.
- Amount
- ₹50,000.00 – ₹10,00,000.00
- Indicative rate
- 9%–14% p.a.
- Tenure
- 12–60 months
Secured
Property you own converts a thin-file rejection into a fundable secured loan, usually at better rates.
Micro enterprise
Micro-enterprise lenders underwrite smaller, cash-flow-real businesses on their own terms.
Know your paperwork early
Every product page lists the exact documents by entity type — proprietorship, partnership, private limited, LLP. Pull the checklist before you talk to anyone; a complete file is the single biggest timeline saver.
Questions founders ask
Will applying again quickly hurt me?
Repeated formal applications in a short window can each trigger lender checks. The better sequence is diagnose first, then apply once, well matched. We never pull your credit report — lenders do that only when you formally apply to them.
Can you guarantee an approval where the bank refused?
No — and be wary of anyone who says yes. What we do is match your actual profile to lenders and schemes built for it, and tell you honestly when the answer is "fix these two things first".
How long before I can try again?
It depends on the reason. A documentation fix is weeks; building twelve months of clean banking is a year. A consultant will give you the specific, boring answer for your file.
Ready when you are
Check your eligibility in a two-minute enquiry — a named consultant calls back within one working day. No sanction promises, no instant-money claims: loans come from regulated lenders, and loan money moves directly between you and the lender.
Check eligibilityTalk to an advisor