Franchisees — fund the fee, the fit-out, and the ramp to break-even.
Unit one proves the model works with you in it; unit two proves the model works. Funding it is a composite bill — franchise fee, deposits, fit-out, launch stock, and enough working capital to survive the ramp. This is the shelf's signature family, and franchisees stepping into validated models bring the brand's operating history to the file, not just their own.
What you gain
What the desk helps with for a business like yours, each tied to something it does today.
The whole ramp sized, not just the fee
The most common failure isn't a refused loan — it's a loan that covers the fee and fit-out and leaves the unit starving in month three. A consultant sizes the ask for break-even, not just opening day.
The brand's unit economics work for you
A validated model with existing unit economics gives a lender more to underwrite than a cold start — the franchisor's track record strengthens your file.
Records lenders can actually read
If you run on the Ojas ecosystem, a consultant can cite real order and settlement history instead of a shoebox of statements.
The credit that fits you
Start with the loan families built for your moment — each links to the live products on the shelf.
Franchise funding
Franchise-fee, unit build-out and launch-stock finance built around the brand's unit economics.
Browse these loansTerm & MSME
A business term loan for fit-out and capex on a multi-year schedule matched to the unit's ramp.
Browse these loansWorking capital
A line sized to carry the new unit through the months before it reaches break-even.
Browse these loansThe moments this comes up
The funding decisions your business hits — each walked through, honestly, end to end.
Opening the next franchise unit
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 partFranchisees budget the fee and fit-out but not the operating losses before break-even, then negotiate financing with the lease clock already running.
Ojas does this
A consultant sizes a composite ask — fee, build-out and working capital — against the unit's ramp, using the brand's unit economics and your operating history as evidence.
You gain
An ask sized to break-even and worked out before you sign the lease — not a half-funded build that stalls in month three.
Honest scope — Stepping into an established franchise model helps the file — it doesn't guarantee a sanction. Lenders expect a meaningful promoter contribution, and your own vintage and statements still matter. And no lender is empanelled with Ojas Loans, so we prepare the file rather than submit it.
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