Funding scenario
Festival season is ahead
Six weeks of the year carry half the revenue. Stocking, staffing, and booking ahead of the season takes cash you'll only see after it.
If you sell into India's festival calendar — events, décor, food, gifting, apparel — you know the shape of the year: a long build-up, then a few weeks that make or break the P&L. Suppliers want advances in August; customers pay in October. The season is won or lost in that gap.
Seasonal businesses look risky to some lenders and perfectly legible to others. Twelve months of bank statements showing the same spike every year is evidence, not a problem — the file just has to be told that way, to a lender who reads seasonality well.
Ojas runs events infrastructure across its own ecosystem, so seasonal operators aren't an edge case on this shelf — they're the point.
What usually goes wrong
Not a scare list — just the mistakes we see most, so you can skip them.
- Ordering stock late to "wait for bookings" — then paying peak-season prices for slower delivery.
- Leaning entirely on supplier credit and losing the early-payment discounts that were half the margin.
- Borrowing at the peak of desperation in September instead of arranging a line in July.
- Sizing the season on the best year ever instead of the median one.
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 seasonal working-capital line sized on last year's cycle — draw ahead of the season, repay out of season collections.
Micro enterprise
Stalls, home producers, and single-crew setups fit micro-enterprise loans with lighter documentation.
Government scheme
Mudra (PMMY) routes are built for exactly this scale of trading and services business — scheme-backed and collateral-free.
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
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
My revenue is seasonal — will lenders hold that against me?
Some will, many won't. Statements showing a repeating seasonal pattern over twelve to twenty-four months are underwritable; the consultant's job is matching you to the lenders that read them well.
When should I start?
Two to three months before your season. Sanctions take weeks, and supplier advances won't wait for one.
What if I only need a couple of lakh?
That's micro-enterprise or Mudra territory — lighter files, no collateral, and processing built for that scale. Don't let the amount feel too small to ask.
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