Business credit, without the guesswork.
When your venture is ready to grow — new inventory, a bigger space, the next hire — capital shouldn't be what holds it back. Work out which kind of credit fits, what it plausibly costs, and what a lender will want to see, then let a named person help you put the file together. We have no lender panel and no lending relationship, so nothing here is steered by a commission.
- Free indicative estimate
- Collateral-free schemes explained
- A named person on your file
- Never the lender
We’re not the lender — and we have no lender panel. Ojas is the software and a desk that gets your application ready. We hold no tie-up with any bank or NBFC, take no commission from one, and cannot put your file in anyone’s queue. You choose who to approach; the money moves straight between you and them, never through us.
Free
Indicative estimate
Work out roughly what you could borrow and what it costs — no charge.
₹0
Collateral-free routes
Some credit — CGTMSE, Mudra — is collateral-free by scheme design. We show you which.
One person
Named consultant
One person picks up your file. There is no call centre, because there is no call centre.
Direct
Straight to your bank
Money moves between you and your lender — never through us.
Why start here
Getting a business loan can feel like a black box. We can't open the lender's half of it — but we can make your half clear, honest and free.
Understand the options before you commit
Working capital, term loan, machinery finance, invoice discounting, CGTMSE, Mudra — see which kinds of credit fit your situation and roughly what each costs, at no charge and with no obligation.
A named person, not a queue
One real person picks up your file, helps you gather your papers, and answers your questions in plain language. We are small and we would rather say that than pretend to a department.
Your money, straight to your bank
Whichever bank or NBFC lends to you, the money is paid directly into your account. It never sits in an Ojas account and never passes through us — we hold no client money and take no cut of your loan.
How Ojas Loans works
Four steps — from a free conversation to a file you can take to a bank or an NBFC. The lender's decision is theirs alone.
Tell us about your business
Share a few basics — what you do, roughly how much you earn, and how much working capital you need.
Get an indicative estimate, free
A rough, honest figure for the loan amount, rate and monthly EMI to plan around — a planning tool, not a quote, and not an approval.
A consultant helps you prepare
Your named consultant helps you gather documents and put together an application strong enough to take to a bank or NBFC.
You approach a lender; they decide
You take the file to a bank or NBFC. They review it, decide, and if they approve, pay the money straight into your account. Ojas is not in that loop and cannot influence it.
What's live today — and what's coming
We only show you what actually works right now — including the parts that don't. Here's the honest picture.
- A plain-English catalogue of the credit types and schemes that exist
- An honest, indicative EMI and rate estimate
- Which routes are collateral-free by scheme design — CGTMSE, Mudra
- A named person who helps you prepare your file
- Your enquiry comes to us so a consultant can pick it up — and your statements and papers go to them directly, never into Ojas
- Instant credit scoring from your business activity
- Reading your GST returns and bank data automatically
- One-tap application straight into a lender's queue
- Repayments collected automatically from your sales
These are on our roadmap — we’ll tell you honestly when they’re ready. Until then, a real consultant does this work with you.
For owners who need working capital
Makers, growers, shopkeepers and service businesses — anyone who needs working capital for the next stage and wants a straight answer rather than a sales pitch.
A file that shows the real business
Sales, order book, seasonality — the things a spreadsheet of assets misses. Your consultant helps you put them in front of a lender in a form the lender reads, instead of hoping they ask.
A named consultant on your file
No call centres. One real person helps you gather your papers, put together a strong application, and answer your questions in plain language.
Nothing here is paid for by a lender
We hold no lender panel and take no commission from any bank or NBFC, so nothing you are shown is steered by who pays us. Ojas charges you for the software and the desk, and for nothing else.
Works with the rest of Ojas
Already run your business on Ojas? Your consultant can pull your records together faster, so preparing your application takes less back-and-forth.
Are you a credit advisor, CA, or MSME consultant? See how to partner with Ojas.
Estimate your loan and monthly EMI — free
Set your business type, yearly sales, and how much you need, and we’ll sketch a rough figure to plan around. It is arithmetic on this page, not a lender’s answer. Nothing is shared with anyone, and there’s no obligation.
Set your business type, sales, and the amount you need, then tap “Show my indicative EMI” to see a rough, free estimate.
Your financial details stay private
What you tell us — what you do, what you earn, what you need — goes to us and to the consultant who picks it up, and to nobody else. Your bank statements and tax papers go straight to that consultant, never into Ojas.
Your financial details stay private and safe
Sharing bank statements and tax papers is a big deal. Here’s exactly where yours go:
Walled off from everyone else: Your details belong to you alone. No other business, and no other borrower, can ever see them.
Nothing leaves Ojas at all: We cannot send your file to a lender, because we have no lender to send it to. Your papers sit with your consultant, and you are the one who walks them into a bank.
Your papers stay with your consultant: PAN, GST returns and bank statements aren’t uploaded into Ojas at all — you hand them to the person working on your case. We’d rather say that plainly than imply we hold your papers — we don’t ask for them here.
The businesses we run, and the one thing they all sell through
Selling sits at the centre — the shop, the orders, the payments and the books. Every business we run sells through that same middle, which is why one sign-in carries your account, your team and your data across all of them.
- Live
Commerce
What every one of them sells through
Your shop, your orders and getting paid — a catalogue customers can browse, stock that can’t be sold twice, UPI at checkout, and books kept straight to the last rupee. It is what every business we run sells through, ours included.
Explore Commerce - Live
Ojas Events
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Pūjāvāni
- Live
Ojas Legal
- You’re here
Ojas Loans
- Live
Ojas Care
- Coming soon
Ojas Plus
- Coming soon
Ojas Exchange
Work out what fits — free, no obligation.
See which kinds of credit suit your situation and roughly what each would cost, then let a named consultant help you prepare the file. You only apply if it makes sense for you — and you approach the lender yourself.
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