Women entrepreneurs & collectives — credit built for the file the mainstream bank won't read.
Low collateral, an informal history, a business run from home or a community group — the reasons a mainstream bank hesitates are exactly the reasons dedicated schemes and group-backed credit exist. Stand-Up India is designed for women and SC/ST founders; joint-liability group credit lets a group's standing take the place of collateral. The job is matching you to the door that's actually open.
What you gain
What the desk helps with for a business like yours, each tied to something it does today.
Schemes designed for you
Stand-Up India funds greenfield enterprises for women and SC/ST founders; Mudra reaches the micro ticket. We tell you which scheme your profile actually fits, and what it will ask you to produce.
The group's standing as collateral
Joint-liability and self-help-group credit underwrites the group, not a property deed — the route when there's no asset to pledge.
A patient, honest guide
A consultant explains the options in plain language and tells you what's realistic. The enquiry is free.
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
Stand-Up India (for women and SC/ST founders) and Mudra — collateral-free, purpose-built routes.
Browse these loansMicro-enterprise
Joint-liability group credit where the group's standing replaces collateral.
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
Live in partWomen and community founders are turned away for low collateral and informal history, and never told which dedicated scheme was built for exactly their profile.
Ojas does this
The scheme guides set out Stand-Up India, Mudra and group-backed credit — schemes designed for the collateral-light, informal-history file — and a consultant helps assemble the file for one of them.
You gain
A file prepared to go to a lender who is meant to say yes to it, by someone who took the time to understand the business.
Honest scope — These schemes have real eligibility rules and the delivering lender still decides. We advise honestly and help prepare the file; the right scheme is a genuine door, not a guaranteed sanction — and not one we can walk you through, since no lender is empanelled with us.
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