Business credit, without the guesswork.
When your brand is ready to grow — new inventory, a bigger space, the next hire — capital shouldn't be what holds it back. Compare business loans from regulated lenders, check what you qualify for, and get an honest EMI estimate — all free. A named consultant helps you put together a strong application, and any money is paid straight to your bank by the lender.
- Free eligibility check
- Collateral-free options
- A named consultant
- Regulated lenders
We’re not the lender. Ojas is the software and a helpful desk that gets your application ready. Loans are made by regulated non-bank lenders (NBFCs) and banks, and the money moves straight between you and them — never through us.
Free
Eligibility check
See what you could qualify for at no cost, no obligation.
₹0
Collateral options
Collateral-free loan options are available from partner lenders.
One person
Named consultant
A real person owns your file — no call centres.
Direct
Straight to your bank
Money moves between you and the lender — never through us.
Why start here
Getting a business loan can feel like a black box. We make the first steps clear, honest, and free.
Check for free, before you commit
See what business credit you could qualify for and what it might cost — in plain numbers, at no cost, with no obligation to take a loan.
A named consultant, not a call centre
One real person owns your file. They help you gather your papers, put together a strong application, and answer your questions in plain language.
Your money, straight to your bank
Loans are made by regulated lenders. The money is paid directly into your bank account — it never sits in an Ojas account or passes through us.
How Ojas Loans works
Four simple steps — from a free check to money in your account, paid by a regulated lender.
Tell us about your business
Share a few basics — what you do, roughly how much you earn, and how much working capital you need.
Check what you qualify for, free
Get an honest, indicative estimate of the loan amount, rate, and monthly EMI you could expect — no cost, no obligation.
A consultant helps you prepare
Your named consultant helps you gather documents and put together a strong application for regulated lenders.
The lender decides and pays you
A regulated lender reviews your application, approves it if it fits, and pays the money straight into your bank account.
What's live today — and what's coming
We only show you what actually works right now. Here's the honest picture.
- A free check of what you could qualify for
- An honest, indicative EMI and rate estimate
- Compare collateral-free options from partner lenders
- A named consultant who helps you prepare your file
- Your documents kept private — seen only by the consultant on your file
- 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.
Built for owners who need working capital
Growing brands, makers, shopkeepers, and service businesses — any founder who needs working capital to fund the next stage and wants a straight answer.
Judged on your real business
Some partner lenders look at how your business actually runs — your sales and order book — not just what you can pledge. That means more owners can qualify.
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.
Clear repayments, no surprises
You see your loan amount, rate, and monthly EMI up front, in rupees. There are no hidden charges from us, and nothing is decided behind your back.
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. We’ll show a rough estimate to help you plan. Nothing is shared with a lender, 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
Your bank statements, tax papers, and personal details are walled off from everyone else — seen only by you and the consultant on your file.
Your financial details stay private and safe
Sharing bank statements and tax papers is a big deal. We treat them with the care you’d expect:
Walled off from everyone else: Your details belong to you alone. No other business, and no other borrower, can ever see them.
Only shared when you say so: Nothing goes to a lender until you decide to apply. You’re always in control of what’s sent and to whom.
Seen only by your application team: Inside Ojas, only the people directly working on your application can open your PAN, GST, and bank statements, and they always travel over a secure connection.
One engine. Every venture sells through it.
Commerce is the rail at the centre — storefront, orders, payments and books. Every venture we run checks out on the same path, so signing in once carries your account, team and data across all of them.
- Live
Commerce
The engine every venture sells through
Run your storefront, orders and payments on rails that already work — a public catalogue, stock that can’t oversell, UPI checkout, and books worked out to the exact rupee. The engine every Ojas venture sells through.
Explore Commerce - Live
Ojas Events
- Live
Ojas Legal
- You’re here
Ojas Loans
- Coming soon
Ojas Care
- Coming soon
Ojas Plus
- Coming soon
Ojas Exchange
Check what you qualify for — free, no obligation.
See what business credit you could get and what it might cost, then let a named consultant help you prepare. You only apply if it makes sense for you.
Check my eligibilityAdvisors & CA firms →