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Finance
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Our Financing Products
Discover all our SME financing solutions tailored to your requirements
RBI Registered
Working Capital Finance
Manage your cash flow shortfalls with our working capital financing solutions
Term Loans
Fund your business expansion with our long-term financing solutions
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
Minimum paperwork
Attractive interest rate
Easy EMI options
Flexible repayment tenure
Approval within 48 hours
Nominal processing-fee
Frequently Asked Questions
What is working capital ?
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 ?
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 ?
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 ?
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 ?
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 ?
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 ?
SMEs can get loans for business within 48 hours of application submission.
How can a SME repay ?
An SME repays online via different payment methods according to repayment structure.