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 find that lender.
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 match you to the ones that read a repeating cycle as evidence — we don't promise every lender will.
See exactly how it works
A named consultant compares regulated lenders and carries your file to sanction. We are the Lending Service Provider, never the lender — the loan money moves directly between you and the lender.
How it worksCheck eligibilitySee 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 we never charge you just to apply.
Check eligibilityTalk to an advisor