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 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.
What you gain
Concrete outcomes, each on a capability a named consultant delivers 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.
One desk for credit and compliance
Export businesses clearing certification and compliance on Ojas can carry that context straight into the credit file — a consultant who sees the whole picture.
Trade history the lender can read
Verifiable order and settlement history strengthens a file that 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
LiveExporters 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 structured around the shipping cycle, with compliance context from Ojas Exchange carried straight into the credit file.
You gain
The order-to-payment gap funded from the nearest-fit products today — honestly labelled — while purpose-built export credit is on the roadmap.
Honest scope — We don't yet ship a dedicated export-credit product on the shelf — today the nearest fit is working-capital and receivables finance, structured by a consultant. Purpose-built export finance is not built. Neither is a lender panel: nothing here can be submitted to a lender.
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