Find the credit built for your business
Whoever you are, the capital gap has the same shape — the work arrives before the cash. This desk starts from the business you actually run and narrows ten families of credit down to the one or two that fit it, with the document checklist for your entity type. It does not take you to a lender: none is empanelled with Ojas Loans, so the file you build is yours to carry.
- Venture-first
- Stage-aware
- Illustrative bands, never quotes
- No lender panel yet
- No lender is empanelled with Ojas Loans
- Ojas is never the lender, by design
- Every rate on this site is illustrative, not a quote
- ₹0 to check, and no credit-bureau pull
Pick the path that sounds like your business
Each path sets out who it is written for, what the money is usually for, and the loan families that fit. Open yours, then use the free checker — it computes in your browser and sends nothing anywhere.
First-time founders
You have a plan, maybe your first customers, and no collateral or credit history a bank will read. That is exactly who India's government credit schemes were built for — and the whole job is knowing which one fits your entity and your stage. We check your eligibility honestly and point you at the scheme that actually reaches a file like yours. We have no lender panel, so what you get is the right door and the right paperwork, not an introduction.
See how we helpFranchisees
Unit one proves the model works with you in it; unit two 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. This is the shelf's signature family, and franchisees stepping into validated models bring the brand's operating history to the file, not just their own.
See how we helpMSME manufacturers
There's a moment where the constraint stops being demand and becomes the machine: the orders exist, the line can't keep up. Equipment finance keeps the asset and the loan on the same page, and receivables finance turns a big confirmed order into the cash to fulfil it. The financed asset usually anchors the loan, which changes the whole conversation.
See how we helpD2C & retail brands
Half your year's revenue can arrive in a few weeks — but suppliers want advances months before customers pay. A working-capital line sized on last year's cycle lets you stock ahead of the season and repay out of the collections it brings in. Seasonal businesses look risky to some lenders and perfectly legible to others; the file just has to be told to the right one.
See how we helpServices & events operators
You deliver first and get paid later — a festival season, a corporate event, a project billed on 60-day terms. The gap between when your costs are due and when the money lands is where good businesses get squeezed. Ojas runs events infrastructure across its own ecosystem, so seasonal and services operators aren't an edge case on this shelf — they're the point.
See how we helpWomen entrepreneurs & collectives
Low collateral, an informal history, a business run from home or a community group — the reasons a mainstream bank hesitates are exactly the reasons dedicated schemes and group-backed credit exist. Stand-Up India is designed for women and SC/ST founders; joint-liability group credit lets a group's standing take the place of collateral. The job is matching you to the door that's actually open.
See how we helpExporters
Export orders are large, the production cycle is long, and payment lands well after you've shipped. Working-capital and receivables finance are the products that bridge that gap, and a consultant can help you shape the file for either.
See how we help
Which product fits where you actually are
You never have to know which loan family you need before you start. A first-time founder usually belongs on a collateral-free government scheme; an operating business with revenue and a track record on working capital, equipment or a term loan; a franchisee scaling units on franchise or project finance. Every product states the criteria it expects and the papers it wants, in plain English, on its own page — nothing is hidden behind a form. The homepage figure shows how the ten families open for the stage, months in business and revenue you set; the shelf itself applies those criteria to nobody, so every family reads open to every visitor.
How it works — and where it stops- Starting out → government schemes and micro credit, built for thin files
- Operating with steady orders → working capital, equipment, receivables
- Scaling across units and markets → term, franchise and project finance
- Every product prints its criteria and document list — no guessing
Honest scope — Landing on a product is not an approval, and today it is not even an introduction: no lender is empanelled with Ojas Loans, so nothing here can be submitted to one. A lender would underwrite, price and decide on your actual file. Our job today is to make sure you ask the right lender for the right thing, and the enquiry that starts it is free.
Work out what to ask for
A short enquiry, a reference id, and a consultant who tells you which family of credit fits and exactly what to assemble. Free, with no credit-bureau pull.
Talk it throughUse the free tools first