Our Financing Products

Discover all our SME financing solutions tailored to your requirements

RBI Registered

RBI Registered

How to Apply for Credit

Step-by-step online process to apply
for Financing

1

Check Eligibility

Check your loan eligibility

2

Submit Application

Complete a 100% online application form

3

Get Sanctioned

We will evaluate your application and propose a fair sanction

4

Receive Funds

Get disbursements within 2 days of sanction

Why Oxyzo?

Oxyzo provides new-age customized financing
products for your business needs

No collateral required

No collateral required

Minimum paperwork

Minimum paperwork

Attractive interest rate

Attractive interest rate

Easy EMI options

Easy EMI options

Flexible repayment tenure

Flexible repayment tenure

Approval within 48 hours

Approval within 48 hours

Nominal processing-fee

Nominal processing-fee

Frequently Asked Questions

What is working capital ?
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Working capital is a term used to describe a company's or organization's ability to finance its day-to-day operations. It can be thought of as a scale for evaluating a company's overall efficiency. To calculate a firm's or organization's working capital, subtract the current liabilities from the total current assets. Positive working capital indicates that a company's assets are sufficient to cover its short-term liabilities.
What is a term loan ?
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Term loan is a business financing solution available for SMEs that can be repaid in regular payments over a predefined period to make long term capital investments like plant and machinery and other business expansion activities.
How is term loan different from working capital finance ?
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A working capital loan helps SMEs meet short-term financial needs and solve cash crunch issues.Working capital loan is repaid in a shorter tenure. Term loans are opted by SMEs to meet long-term financial needs and often come with longer repayment tenure.The cost of credit is relatively higher for a working capital loan.
What is the purpose of working capital finance ?
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A working capital loan is primarily used by SMEs to plug in the payment gap with their suppliers as well as customers. It serves the day-to-day business needs of SMEs and helps them meet short-term planned and unplanned business expenses.
Who can avail business financing products ?
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Business owners,Proprietorship firms,Registered Partnership firms,Limited Liability Partnership,Private Limited Companies, Public Limited Companies with a turnover and business vintage of atleast 3 crores and 3 years respectively.
How is the interest rate charged on working capital finance and term loan ?
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The interest rate on the working capital limit is charged only on the utilized amount for its duration of use while the interest rate on the term loan is charged on the sanctioned amount and the loan tenure.
How soon can a business get SME finance ?
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SMEs can get loans for business within 48 hours of application submission.
How can a SME repay ?
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An SME repays online via different payment methods according to repayment structure.
NOTE: No processing fee is being charged by Oxyzo before the sanction of the loan. Any individual claiming otherwise must not be entertained.
Please report such activity on getsupport@oxyzo.in
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