Funding scenario
A big order just landed
The purchase order is real, the margin is good — and the advance doesn't cover materials. How to fund the production run without giving the order back.
You've done the hard part: won an order bigger than your monthly run rate. A serious buyer, a real purchase order, decent margin. Then the arithmetic lands — materials and wages are due in the next thirty days, and the buyer pays forty-five to sixty days after delivery. The gap between those two dates is where good orders die.
This is the healthiest borrowing reason there is: you're funding confirmed demand, not hope. Lenders read it the same way — a purchase order from a credible buyer, your production history, and clean bank statements make a fundable file.
The one thing you control is timing. The worst week to start arranging working capital is the week wages are due — start when the order is signed, not when the cash runs out.
What usually goes wrong
Not a scare list — just the mistakes we see most, so you can skip them.
- Funding the run on personal cards or informal credit at three to four percent a month — the order's margin quietly disappears into interest.
- Taking a long-tenure term loan for a ninety-day need, then paying EMIs long after the buyer has paid you.
- Starting the paperwork after production starts — sanctions take weeks, wages don't wait.
- Committing a delivery date before the financing is confirmed.
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.
Working capital
A short-cycle demand loan sized to the production run — draw it, deliver, repay when the buyer pays.
Receivables
Once you've delivered and invoiced, discounting the invoice releases the buyer's money early — often cheaper than carrying more debt.
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
Can the purchase order itself help me qualify?
Yes — a confirmed order from a credible buyer strengthens the file materially. Bring it, along with your bank statements and past order history. The lender still underwrites you, not just the order.
How fast can this realistically move?
Days to weeks, depending on the lender and how complete your documents are — never the same day. A consultant will give you an honest timeline before you commit to a delivery date.
Should I take a term loan instead?
Usually not for a single order. Match the money to the cycle: short-cycle needs want short-cycle credit. Term loans fit capacity you'll use for years, not one production run.
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