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 point you at the scheme that actually reaches a file like yours. We have no lender panel, so what you get is the right door and the right paperwork, not an introduction.
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 tell you which one you actually qualify for, instead of you finding out through 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 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-chosen, document-complete file you take to a lender that underwrites your profile — instead of a stack of rejections from banks that never could.
Honest scope — Landing on a scheme is not an approval, and today it is not even an introduction — no lender is empanelled with Ojas Loans. The delivering 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 — 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