Funding scenario
Opening the next franchise unit
Unit one works. Funding unit two is a different file — franchise fee, fit-out, and enough working capital to reach break-even.
The second unit is the honest test of a franchise: the first proves the model works with you standing in it; the second proves the model works. Funding it is a composite bill — franchise fee, deposits, fit-out, launch stock, and enough working capital to survive the ramp to break-even.
Franchise lending is where this shelf is most at home. Franchisees stepping into validated models on the Ojas marketplace bring the brand's operating history to the file, not just their own — unit economics a lender can actually read.
Fund the whole ramp, not just the fee. The most common failure isn't the loan being refused — it's the loan covering the fee and fit-out, and the unit starving in month three.
What usually goes wrong
Not a scare list — just the mistakes we see most, so you can skip them.
- Budgeting the franchise fee and fit-out but not the months of operating losses before break-even.
- Signing the lease before the sanction — then negotiating financing with the rent clock running.
- Mixing unit one's cash into unit two's build, leaving both units underfunded.
- Treating the brand's best unit as your base-case projection.
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.
Franchise
Franchise funding built around the brand's unit economics — the shelf's signature family for marketplace franchisees.
Franchise-fee funding
Fund the franchise fee and launch stock for your next unit.
- Amount
- ₹5,00,000.00 – ₹1,00,00,000.00
- Indicative rate
- 14%–21% p.a.
- Tenure
- 24–72 months
Venture acquisition loan
Buy an operating business with the cash flows to repay the purchase.
- Amount
- ₹25,00,000.00 – ₹5,00,00,000.00
- Indicative rate
- 13%–19% p.a.
- Tenure
- 36–120 months
Term
A business term loan covers fit-out and launch capex on a multi-year repayment matched to the unit's ramp.
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
Does being an Ojas marketplace franchisee help the file?
Yes — a validated model with existing unit economics gives the lender more to underwrite than a cold start. It's still your file though: your vintage, statements, and contribution matter.
How much of the project cost can be borrowed?
Lenders expect meaningful promoter contribution — plan for a substantial share of the project from your side. The exact split is set in underwriting, not by us.
Should working capital be part of the same loan?
Often yes, as a composite sanction; sometimes a separate line works better. A consultant structures it against the unit's ramp rather than one-size-fits-all.
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