MSME manufacturers — buy the machine, fund the order, keep the capacity ahead of demand.
There's a moment where the constraint stops being demand and becomes the machine: the orders exist, the line can't keep up. Equipment finance keeps the asset and the loan on the same page, and receivables finance turns a big confirmed order into the cash to fulfil it. The financed asset usually anchors the loan, which changes the whole conversation.
What you gain
Concrete outcomes, each on a capability a named consultant delivers today.
The machine backs its own loan
Equipment loans are usually secured by the asset being financed, so you often don't need separate hard collateral — and the rate and tenure are usually better than unsecured working capital.
Fund the order, not just the year
A confirmed purchase order from a credible buyer is a fundable file — match the money to the production cycle instead of carrying a long-tenure loan for a 90-day need.
Project reports, prepared with you
For bigger, bankable projects, our advisory side prepares the DPR and CMA data that makes the file underwritable — clearly a paid service, quoted before work begins.
The credit that fits you
Start with the loan families built for your moment — each links to the live products on the shelf.
Equipment & machinery
Asset-backed finance for plant, kitchen and workshop machinery — the asset is hypothecated, so extra collateral is usually not needed.
Browse these loansReceivables
Purchase-order and invoice finance to fund a confirmed order you can't cover from cash on hand.
Browse these loansProject finance
Long-tenure finance for a bankable project — new plant, clean-energy setup, expansion — with DPR/CMA support.
Browse these loansThe moments this comes up
The funding decisions your business hits — each walked through, honestly, end to end.
A machinery upgrade
See how this funding moment is handled — the products that fit and the file behind the ask.
Walk through itA big order just landed
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
LiveA maker drains working capital to buy a machine outright, then borrows expensively to cover payroll — or funds a 7-year asset with an 18-month unsecured loan because it felt faster.
Ojas does this
Equipment finance secured by the machine matches tenure to its working life; receivables finance funds the confirmed order; a DPR turns a bigger plan into a bankable file.
You gain
Capacity that stays ahead of demand, financed on terms that match the asset — with working capital left intact for the day-to-day.
Honest scope — We prepare and strengthen the file, including DPR/CMA where you engage us for it; a lender values the asset and underwrites the project. Ojas is never the lender — and with none empanelled today, taking the file to one is your step, not ours.
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