Driving growth of

Micro-Enterprises

It is a specialized credit product for small businesses like retailers or workshops. These loans feature smaller ticket sizes and faster processing to support daily operational needs.

We provide quick working capital to manage inventory, pay suppliers, or renovate shops. Our digital process ensures funds reach micro-entrepreneurs without traditional banking delays.

Yes. Oxyzo is an RBI-registered NBFC, ensuring all micro-enterprise loans comply with strict regulatory standards for fair interest rates, transparent terms, and secure data handling.

We focus on micro-enterprises with consistent cash flows. Whether you are a local trader or a small manufacturer, we provide credit based on your digital financial footprint.

We have deep experience in Manufacturing, Infrastructure, Pharma, and Agri-tech. Our credit models are specifically tuned to the unique cash-flow cycles of these high-growth industrial sectors.

Micro-enterprises can access unsecured credit up to ₹2.5 Lakh or secured loans up to ₹10 Lakh, depending on business requirements and financial health.

While GST helps, we also evaluate micro-businesses using bank statements and other digital KYC. This ensures even small retailers can access formal credit based on their turnover.

You can check eligibility in minutes on our website by entering your GSTIN. Our tech engine analyzes your data instantly without affecting your credit score.

Once sanctioned, your loan offer is typically valid for 30 days. This gives you ample time to plan your capital deployment before signing final agreement.

Common reasons include low turnover, insufficient business vintage, or poor credit history. Our advisors can help you understand specific gaps to improve your future eligibility.

Interest rates for micro-enterprises start from 1% monthly for secured loans and 1.32% monthly for unsecured credit, tailored to your business risk profile.

No. We do not charge any recurring maintenance or membership fees. You only pay the interest on the used amount and a one-time processing fee during disbursement.

Yes. We offer flexible repayment cycles, including weekly or monthly EMIs, to better align with the daily cash-collection patterns of retail and small service businesses.

Late payments attract a standard penal interest as per RBI guidelines. We recommend setting up automated NACH mandates to avoid accidental delays and maintain a strong credit score.

Most micro-enterprise loans come with fixed interest rates, providing you with certainty regarding your monthly repayment amounts and helping you plan your business expenses more effectively.

Secured loans require collateral and offer lower rates for larger plans. Unsecured loans are collateral-free, providing faster funds up to ₹2.5 Lakh for smaller needs.

Yes. Our machinery and asset finance can be used for small commercial vehicles or equipment that helps increase your business's earning capacity and service reach.

After six months of timely repayments, eligible micro-businesses can apply for a top-up loan to meet additional stock requirements or seasonal business demands.

Absolutely. Many retailers use Oxyzo credit to modernize their store interiors or expand storage space, helping them attract more customers and grow their daily revenue.

We offer flexible tenures of up to 7 years, allowing you to choose a repayment period that keeps your EMIs affordable according to your monthly income.

You can use the OxyAI feature on our website for instant support. Our team provides real-time guidance to ensure your application is completed correctly.

Yes. Our support team assists micro-entrepreneurs in multiple regional languages, making it easier for you to understand loan terms and navigate the digital application process comfortably.

All repayment schedules are available 24/7 on the Oxyzo mobile app and customer portal. You will also receive SMS reminders before every EMI due date.

Yes. Our advisors help micro-businesses understand how to manage debt and improve their credit profiles, enabling them to qualify for larger SME loans in future.

You can request a change of repayment account through our support email or portal. We will help you set up a new e-mandate to ensure seamless repayments.