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 is venture-first and stage-aware: it starts from the business you actually run, then matches you to the loan family and regulated lender built for your profile. We compare and carry the file; we are not the lender, and loan money moves directly between you and the lender.
- Venture-first
- Stage-aware
- Indicative rates, honestly labeled
- A named consultant on every file
- We are not the lender — regulated lenders are
- Money moves lender ↔ you directly
- ₹0 to check eligibility
- Rates always indicative, subject to lender underwriting
Pick the path that sounds like your business
Each path owns a persona — who you are, what you gain, and the loan families that fit you. Open yours to see exactly how we help, then check your eligibility for free.
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 match you to the scheme and lender that actually reach a file like yours.
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 bridge that gap; the same consultant who knows the compliance path can structure the file. If you're clearing export hurdles on Ojas Exchange, your credit journey plugs into the same desk.
See how we help
The right product unlocks as you grow
You never have to know which loan family you need before you start — that's the consultant's job. A first-time founder begins with a collateral-free government scheme; an operating business with revenue and a track record unlocks working capital, equipment and term loans; a franchisee scaling units reaches franchise and project finance. Lending partners set the criteria for each product, and as your venture crosses those milestones, the products built for you become available instead of out of reach. One desk carries you from the first enquiry to the next unit — you always see the whole shelf, and exactly what unlocks next.
How it works- 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 shows what unlocks it — no dead-end applications
Honest scope — Matching you to a product and lender is not an approval. The regulated lender underwrites, prices and decides on your actual file; our job is to make that file as strong as it honestly can be — and we never charge you just to apply.
See what your venture qualifies for
A short enquiry, a reference id, and a named consultant on the phone within one working day. Free to check — and the lender's money moves directly to you.
Check eligibilityTalk to an advisor