Your Questions, Answered

Oxyzo Financial Services Limited is an RBI-registered Non-Banking Financial Company (NBFC) headquartered in Gurugram, India, specialising exclusively in SME & Corporate lending. Oxyzo offers 7 loan products: Purchase Finance, Work Order Finance, Invoice Discounting, Vendor Finance, Working Capital Term Loan, Business Loan, Machinery Finance, and Loan Against Property. With an AUM of over ₹8,500 crores and 5,000+ SME & Corporates served across India, Oxyzo is one of India's largest dedicated SME & Corporate lenders. All products are offered through a 100% digital, paperless process with approval in as little as 48 hours.

Yes. Oxyzo Financial Services Limited is registered with the Reserve Bank of India (RBI) under Section 45-IA of the RBI Act, 1934. This means Oxyzo operates under the RBI's regulatory framework, which governs interest rate disclosure, fair lending practices, borrower rights, and grievance redressal. You can verify Oxyzo's NBFC status on the RBI's official register at rbi.org.in. Oxyzo is also backed by institutional investors including Matrix Partners, Norwest Venture Partners, and Falcon Edge Capital.

Oxyzo's loans are available to registered Indian business entities — including Public Limited companies, Private Limited companies, Sole Proprietorships, and Partnership firms — with a minimum annual turnover of ₹3 crores and at least 3 years of business operation. Individual personal loans are not offered. Oxyzo serves businesses across manufacturing, trading, infrastructure, logistics, pharmaceuticals, agri-processing, and other sectors across all major cities and towns in India.

The standard document set required across all Oxyzo loan products includes: KYC documents (PAN Card and Aadhaar Card for promoters), GSTIN, last 6 months of bank statements, GSTR returns for the current financial year, and audited financial statements (Balance Sheet and P&L) for the previous 3 financial years. For secured products like Loan Against Property, property documents including title deed and encumbrance certificate are also required. All documents are submitted digitally — no physical submission or branch visit is needed.

For working capital products (Purchase Finance, Work Order Finance, Invoice Discounting, Vendor Finance), Oxyzo approves applications within 48 hours of receiving complete documentation and disburses funds within 24–48 hours of approval. For term products (Business Loan, Machinery Finance), the approval and disbursement timelines are similar. Loan Against Property involves property valuation and legal due diligence, which typically adds 3–7 business days to the disbursement timeline.

You can reach Oxyzo's support team by calling +91 7353013499 between 10AM and 7PM on business days, or by emailing getsupport@oxyzo.in. For formal complaints, Oxyzo has a 3-level grievance redressal process: Level 1 is the support team, Level 2 is the Grievance Redressal Officer (grievanceredressal@oxyzo.in), and Level 3 — if unresolved within 30 days — is the RBI NBFC Ombudsman. Full escalation details are at https://www.oxyzo.in/contact-us/email-address-for-grievances-redressal.

Purchase finance helps businesses pay suppliers for inventory or raw materials. It supports working capital cycles by enabling procurement before customer payments are realized.

Purchase finance is usually tied to procurement cycles and supplier payments, while a business loan can be used for wider business needs like expansion or operations.

Work order finance helps businesses execute confirmed orders by funding procurement and execution costs before customer payments are received.

Yes, subject to order quality, counterparty profile, and underwriting checks. Final approval depends on eligibility and documentation.

Invoice discounting allows businesses to unlock funds against unpaid invoices, reducing receivables waiting time and improving working capital liquidity.

Requirements depend on risk assessment and product structure. In many cases, invoice quality and counterparty strength are key evaluation factors.

Vendor financing provides credit support to suppliers so they can fulfill purchase cycles on time and maintain smooth operations with buyers.

Yes, subject to eligibility checks like transaction history, buyer network, and overall business profile.

Business loans can be used for expansion, inventory, operational expenses, hiring, and other growth-oriented business requirements.

Eligibility is assessed using financial performance, cash flows, repayment history, and document quality.

Machinery finance can support acquisition of eligible equipment and industrial machinery used for business operations.

Funding structures vary by use case and underwriting outcomes. Details are shared based on your machinery and business profile.

Loan against property is a secured credit product where eligible property is used as security to raise business funds while retaining ownership.

Loan amount depends on property value, business profile, repayment capacity, and underwriting policies.