Exporters — fund the order-to-payment gap on cross-border trade.
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.
What you gain
What the desk helps with for a business like yours, each tied to something it does today.
Capital across the shipping cycle
Working capital for the production run and receivables finance against export invoices bridge the long gap between shipping and getting paid.
The nearest fit, named plainly
There is no dedicated export-credit family on the shelf. Working-capital and receivables are the nearest fit, and a consultant reads your shipping cycle and tells you which to ask a lender for.
Trade history the lender can read
If you keep your orders and settlements on Ojas, a consultant has real records to cite — something a cold export application can't match.
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
Pre- and post-shipment working capital sized to the production and shipping cycle.
Browse these loansThe moments this comes up
The funding decisions your business hits — each walked through, honestly, end to end.
A big order just landed
See how this funding moment is handled — the products that fit and the file behind the ask.
Walk through itInvoices stuck at 60 days
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
Live in partExporters carry a long, expensive gap between shipping an order and getting paid, with no product on most shelves built for the cross-border cycle.
Ojas does this
Working-capital and receivables finance are the nearest-fit products; a consultant reads the shipping cycle and helps shape the file for either.
You gain
The order-to-payment gap addressed with the nearest-fit products, honestly labelled as such.
Honest scope — Purpose-built export finance is not built: today the nearest fit is working-capital and receivables finance, with the file shaped by a consultant. Neither is a lender panel, so nothing here can be submitted to a lender.
See exactly how it works — and where it stops
A consultant narrows the shelf to what fits and tells you what a lender will want to see. Nothing is submitted from here: no lender is empanelled with Ojas Loans, so the file is yours to take 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 consultant 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