First-time founders — your first business loan, matched to the right scheme.
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.
What you gain
Concrete outcomes, each on a capability a named consultant delivers today.
The right scheme, not a dead-end bank form
Mudra, CGTMSE, PMEGP and Stand-Up India each fit a different entity and stage. We match you to the one you actually qualify for instead of five identical rejections.
A document checklist by your entity type
Proprietorship, partnership, private limited or LLP — you get the exact list a lender asks for, so the biggest reason first files stall never happens to yours.
A named consultant, free to check
A person reads your situation, tells you honestly whether we can help, and carries the file — and we never charge you just to apply.
The credit that fits you
Start with the loan families built for your moment — each links to the live products on the shelf.
Government schemes
Mudra (up to ₹10 lakh, collateral-free), CGTMSE-covered term loans, PMEGP and Stand-Up India — built for first-time and micro-borrowers.
Browse these loansMicro-enterprise
Joint-liability group credit where the group's standing takes the place of collateral.
Browse these loansFounder personal
A personal loan for business use — honestly disclosed as exactly that — when the business is too new to borrow on its own.
Browse these loansThe moments this comes up
The funding decisions your business hits — each walked through, honestly, end to end.
The bank said no
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
LiveFirst-time founders get rejected for no collateral and no history, and are never told which of a dozen government schemes actually fits them.
Ojas does this
An honest eligibility check maps your entity type and stage to the specific scheme and lender built for it — CGTMSE for the collateral gap, Mudra for the micro ticket, Stand-Up India for women and SC/ST founders.
You gain
One well-matched, document-complete file to a lender that underwrites your profile — instead of a stack of rejections from banks that never could.
Honest scope — A scheme match is not an approval. The regulated lender underwrites and decides; we make the file as strong as it honestly can be, and tell you plainly when the answer is 'fix these two things first'.
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