Turn “GST Surrogate” into Instant Business Cash
Unlock fast, flexible “GST Surrogate Loans” from Omozing, powered by Aparampaar Finance Pvt. Ltd., an RBI-registered NBFC. Improve cash flow without waiting for customer payments.
Socio-Economic Impact: Promoting development among unbanked or under-banked families through inclusive credit.
Empowering SHGs: Reinforcing Self-Help Groups as fundamental pillars for India’s economic development.
Entrepreneurship: Specific funding channels to support startups and women entrepreneurship across the nation.
The 2026 Edge: Why GST Surrogate Loans?
Traditional lending is slow. Omozing’s AI-driven surrogate model uses your GST data as a financial health indicator, allowing for “Surrogate Lending” where the GST filing acts as your proof of income.
01
Digital Data Linkage
(GSTR-1 & 3B)
02
Real-time Credit
Scoring
03
Instant Disbursal
to Business Bank
Financial Inclusion & Growth
As we move through 2026, the Indian economy demands faster liquidity. Omozing is committed to bridging the gap for unbanked entrepreneurs. By utilizing the GST Surrogate model, we bypass the need for intensive collateral or 3-year audited balance sheets, focusing instead on your business’s current performance and GST compliance.
Traditional Loans vs. Omozing GST Surrogate
| Feature | Traditional Business Loans | Omozing GST Surrogate (2026) |
|---|---|---|
| Collateral | Required (Property/Gold) | No Collateral Required |
| Approval Time | 15 – 30 Business Days | 24 – 48 Hours |
| Documentation | Heavy (ITR, Audit, KYC) | GST Returns & Basic KYC |
| Focus | Established Large Corps | MSMEs, Startups & Women-led |
Empowering the Backbone of India
Our partnership with Aparampaar Finance Pvt. Ltd. ensures that every loan is backed by the security of an RBI-registered NBFC. We don’t just provide capital; we provide a growth ecosystem for:
- Self-Help Groups (SHGs): Streamlined credit lines for collective micro-enterprises.
- Women Entrepreneurs: Special interest rates to foster gender-neutral economic growth.
- Rural Startups: Modernizing the “unbanked” sectors with digital-first lending solutions.
Frequently Asked Questions (GST Surrogate 2026)
What is a GST Surrogate Loan?
A GST Surrogate Loan is a specialized business loan where the lender evaluates the borrower’s creditworthiness based on their GST filing history and turnover rather than traditional income tax returns or financial audits.
Who is eligible for GST Surrogate lending at Omozing?
Any registered business with at least 12 months of consistent GST filings, a positive turnover trend, and valid KYC documents. We prioritize MSMEs, SHGs, and women-led businesses.
Is Aparampaar Finance a safe lender?
Yes, Aparampaar Finance Pvt. Ltd. is a fully compliant, RBI-registered Non-Banking Financial Company (NBFC), ensuring your data and financial transactions are protected by national regulatory standards.
How much can I borrow through the surrogate program?
Loan amounts in 2026 are dynamically calculated based on your average monthly GST turnover, typically ranging from ₹2 Lakhs to ₹50 Lakhs for unsecured business lines.