Employer-linked credit · Bank-backed · Zero cost

Your employees
deserve better
credit access.

Getting a loan can be confusing and unfair — especially if you work at a smaller company. LoansMojo helps employees get real bank loans, with a real advisor guiding every step. If you're an employer, we partner with you at zero cost — helping your team access credit they deserve, while you focus on your business.

Apply for a Loan → I'm an Employer →
🏦
All Major Banks & NBFCsBest lender matched to each employee
🧭
Expert GuidanceA real advisor, not a DIY portal
₹
Zero Cost to EmployerYou earn, not pay
How LoansMojo works
1
Employer partners with us
One form. Zero cost. No paperwork to sign.
2
Employees get a clarity session
Financial literacy onboarding + QR-based loan enquiry.
3
Our advisors find the right lender
Profile assessed. Best Bank or NBFC matched. Application guided end-to-end.
4
Loan disbursed. Employer earns.
Employee gets fair credit with full clarity. Employer builds a stronger, more loyal team.
10+ Years in lending
All Banks & NBFCs
Zero Cost to employer
The Problem

A systemic gap leaving millions behind

70% of MSME employees are invisible to formal credit markets — not because of poor repayment history, but because of structural barriers.

70% of MSME employees invisible to formal credit markets
60% Annual interest charged by informal lenders — up to 5× what banks charge
63 Cr+ MSMEs in India — most too small to unlock institutional lending independently

Credibility Bias

Lenders reject employees based on employer size — not actual repayment capability or salary history.

The Service Void

Institutional lenders skip smaller workforces because high acquisition costs make it uneconomical.

The Guidance Gap

No professional advocate exists to navigate employees away from informal debt traps and toward fair credit.

"Same employee · Same salary · Same capability — different employer = entirely different credit outcome."

The Execution Model

From employer signup to loan disbursement

A repeatable, scalable 5-step flow — zero operational burden on your HR team.

1
🤝

Acquire Employers

Industrial clusters, partner networks & referrals

2
📚

Activate Employees

Financial literacy session + QR-based lead capture

3
📊

Generate Signals

Verified income, employer credibility, structured cohorts

4
🏦

Match with Lenders

Optimal Bank / NBFC matched to each employee profile

5
💸

Disburse & Track

End-to-end lifecycle management with live partner dashboard

The Transformation

From cost centre to retention engine

What changes when you activate LoansMojo for your workforce.

❌ Before LoansMojo
High churn and constant rehiring costs eating into margins
Employees approaching HR for personal salary advances
Financially stressed workforce — lower productivity and focus
Benefits that cost you money with zero return
No passive income stream from your largest asset — your people
→
✅ After LoansMojo
Financially secure employees stay longer — loyalty built in
Zero HR overhead — we manage end-to-end, no advance requests
Focused, motivated teams — financial stress removed
A meaningful employee benefit that costs you nothing to run
Real-time partner reporting on engagement and loan status
A Triple-Value Partnership

Better for employers. Better for employees.

LoansMojo partners with companies to offer their workforce access to real, fair credit — with expert guidance at every step and zero burden on the employer.

🏢

Partner With LoansMojo

A meaningful benefit. Zero cost. Zero effort.
  • Offer your employees access to fair, structured credit — at absolutely zero cost to your company
  • Zero operational overhead — share employee details once, we handle everything else
  • Employees who are financially secure are more focused, productive, and less likely to leave
  • Partner reporting — track employee engagement and loan status at any time
  • Stand out as an employer that genuinely cares about its workforce's wellbeing
  • Backed by all major Banks & NBFCs — your employees get real rates, not informal debt traps
👷

For Employees

Fair credit, finally accessible to you
  • Access institutional loans previously denied due to employer size bias
  • Significant savings — transparent, structured rates vs. 24–60% informal rates
  • Guided approval journey with expert advocates — not a DIY rejection loop
  • Dignified credit access through your trusted employer partnership
  • Financial literacy session to make confident, informed credit decisions
  • Full transparency at every application stage via partner portal
Why Partner With LoansMojo

Proven expertise.
Unmatched access.

What makes us the right partner for your workforce credit programme.

Expert

Guided Approvals

Dedicated loan specialists advocate for every application — a real team working for your employees, not a DIY portal.

10+

Years in Lending

Expert-led guidance battle-tested across every credit scenario. We know what it takes to get approvals others can't.

All

Banks & NBFCs

Established tie-ups with all major financial institutions — we find the best match for each employee's profile.

Zero

Cost to Employer

Zero-cost, zero-risk onboarding with full end-to-end support. No paperwork overhead for your HR team.

EMI Calculator

Know your repayment before you apply

Adjust the sliders to estimate your monthly EMI. Our advisors will find you the best actual rate available.

₹10,000₹5,00,000
8%24%
3 months60 months
Apply for a Loan →
Monthly EMI
₹8,885
per month for 12 months
Principal Amount₹1,00,000
Total Interest₹6,620
Total Payable₹1,06,620
Monthly EMI₹8,885
* Indicative only. Actual rate depends on lender, credit profile, and tenure. Our advisors find you the best available rate.
The Credit Gap

Most working-class Indians can't get a bank loan.

Not because they don't repay — but because no one ever built a system to serve them. LoansMojo is that system.

🚫
Turned away — not for bad credit
Millions of salaried workers are denied loans simply because of who they work for. Their salary is stable. Their repayment history is clean. But lenders still say no.
60%
Interest rates from informal lenders
With nowhere else to turn, workers borrow from moneylenders at exploitative rates — a debt trap that gets harder to escape with every cycle.
✅
LoansMojo bridges the gap
By partnering with employers, we create the trust signal banks need — and the guided pathway employees deserve to access fair, structured credit.
"Every hardworking employee deserves access to dignified, fair credit — regardless of who they work for."
— LoansMojo Mission
Get Started Today

Need a loan? Or want to partner with us?

Individual or salaried employee looking for a loan — just drop your number and we call you. Employer wanting to offer this benefit to your team — fill in your details and we handle everything.

What happens after you submit?

📞

We call within 1 business day

A dedicated LoansMojo advisor reaches out to walk you through the next steps.

📋

Zero paperwork to start

Employers share their employee list once. Employees only need basic KYC. We handle everything else.

🚀

Go live in days

Onboarding session scheduled, QR codes distributed, partner dashboard live — fast and hassle-free.

💰

Your team feels the difference quickly

Most employer partners see their first employee loan enquiries within days of activation — real credit access, real impact.

Prefer to reach us directly?

💬 WhatsApp: +91 63606 80367
📬 Admin note — activate form emails:
Go to formspree.io → sign up free → New Form → copy the endpoint URL.
In this file, replace YOUR_FORMSPREE_ID (appears twice) with your ID.
All form submissions will then arrive in your inbox. Takes 5 minutes, costs nothing.
Employer Onboarding
Fill in your details and we'll reach out within one business day to activate your LoansMojo partnership. Zero paperwork. Zero operational overhead.
Company Details
Primary Contact (HR / Admin)
What are you most interested in?

🔒 Your data is secure. We'll never share it with third parties.

Apply for a Loan
Just leave your name and number — we'll call you, understand your situation, and find the best loan option for you. No paperwork upfront.

🔒 Safe & confidential. We call you — no spam, no hard sell.

✅

You're on the list!

Our team will reach out within one business day.
Welcome to the LoansMojo family.