D2C & retail brands — stock the season and smooth the cash cycle.
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.
What you gain
Concrete outcomes, each on a capability a named consultant delivers today.
A line sized to your real cycle
Twelve months of statements showing the same seasonal spike every year is evidence, not a problem — for a lender who reads seasonality well. We help you tell it that way; finding that lender is still yours to do, because we have no panel.
Draw ahead, repay after the season
Stock in August, sell in October, repay from the season's collections — a demand line matched to the cycle, not a fixed EMI that lands in your leanest month.
Finance the machine, keep the cash
Growing brands financing a bottling line, a printer or kitchen equipment can anchor the loan on the asset itself and keep working capital free.
The credit that fits you
Start with the loan families built for your moment — each links to the live products on the shelf.
Working capital
A seasonal line or overdraft sized on last year's cycle — draw ahead of the season, repay out of it.
Browse these loansEquipment & machinery
Asset-backed finance for production or fulfilment equipment as you scale.
Browse these loansGovernment schemes
Mudra and CGTMSE routes for the smaller, collateral-light retail and trading files.
Browse these loansThe moments this comes up
The funding decisions your business hits — each walked through, honestly, end to end.
Festival season is ahead
See how this funding moment is handled — the products that fit and the file behind the ask.
Walk through itThe unglamorous work, handled
No testimonials — just the concrete mechanism you can verify.
The drag
LiveRetail and D2C operators order stock late to 'wait for bookings', then pay peak-season prices — or borrow at the peak of desperation in September instead of arranging a line in July.
Ojas does this
A working-capital line sized on last year's cycle is drawn ahead of the season and repaid from its collections; a lender who reads seasonality underwrites the repeating pattern.
You gain
Stock bought early at the right price, and a cash cycle that no longer decides how big your season can be.
Honest scope — Some lenders hold seasonality against you; many don't. We can tell you which kind of institution reads a repeating cycle as evidence and how to present it — we cannot introduce you to one, because no lender is empanelled with Ojas Loans.
See exactly how it works — and where it stops
A named consultant narrows the shelf to what fits and tells you what a lender will want to see. Then it stops: no lender is empanelled with Ojas Loans, so no file can be submitted to one. Ojas is the Lending Service Provider and is never the lender.
How it worksTry the free checkerWork out what to ask for
A short enquiry, a reference id, and a named consultant on the phone within one working day — who tells you which family of credit fits and what to assemble. Free, and we never charge you to ask.
Talk it throughUse the free tools first