Scale with

Smart Credit

Oxyzo is an RBI-registered NBFC providing tech-enabled credit solutions. We offer working capital, Capex loans, and supply chain financing to help SMEs and Emerging Corporates scale their operations.

Oxyzo is a leading digital NBFC (Non-Banking Financial Company) registered with the RBI. We combine the trust of an institutional lender with the speed of a fintech platform.

SME loans focus on smaller limits and flexible eligibility. Corporate loans offer larger capital for established entities with higher turnovers, usually for expansion or major machinery upgrades.

Yes, we offer pan-India financing services. Our digital-first approach allows businesses from any region to apply, get sanctioned, and receive funds without visiting a physical branch.

We primarily serve established businesses with at least 3 years of operations. This vintage helps us provide better rates and larger limits based on historical financial performance.

Businesses typically require a minimum annual turnover of ₹3 Crores to qualify. This ensures we provide institutional-grade credit to established entities ready for their next growth phase.

Once your application is approved and the agreement is signed, funds are typically disbursed within 48 hours, ensuring your business has immediate access to the required capital.

We generally require a business vintage of at least 3 years. This helps us verify the stability and historical financial performance of your enterprise before sanctioning credit limits.

You primarily need your GSTIN, last 6 months' bank statements, and basic KYC documents. Our 100% digital process minimizes paperwork to save you time and administrative effort.

Yes. We provide credit to various legal entities, including Public and Private Limited companies, Partnerships, and Proprietorships that meet our turnover and operational vintage requirements.

Yes, Oxyzo specializes in unsecured business loans. We evaluate your business cash flow and financial health rather than requiring physical assets as security for the credit.

Our interest rates are competitive and risk-based, typically starting from 12% per annum. Final rates depend on your business's financial health, industry sector, and chosen credit product.

No. Transparency is a core value. All processing fees and interest rates are clearly stated in the loan agreement. You only pay what you see during the sanction process.

Yes, a nominal one-time processing fee is applicable, usually starting at 1%. This fee covers the cost of our digital underwriting and automated credit assessment systems.

We offer flexible repayment tenures tailored to your cash flow, ranging from short-term working capital cycles to longer-term Capex financing, depending on the specific product you choose.

Repayment dates are generally fixed at the time of the agreement. However, for large corporate accounts, we can occasionally discuss customized schedules to match your specific cash-flow cycles.

No. Transparency is our priority. All costs, including interest rates and processing fees, are explicitly detailed in your sanction letter before you commit to the loan.

Yes, we offer unsecured loans up to ₹5 Crores for SMEs and Corporates. These are sanctioned based on cash flows and financial health, providing quick capital for high-growth sectors like Auto Ancillaries and Pharmaceuticals without pledging assets.

Limits are customized based on your turnover and repayment capacity. For Emerging Corporates in Infrastructure or Capital Goods, we offer scalable credit lines that expand as your project pipeline and relationship with Oxyzo grow.

Yes, our specialized Machinery Finance and Capex loans help you upgrade technology or expand capacity. This is ideal for manufacturing units in Power & Small Equipment, Renewables, or specialized lab equipment for Pharmaceutical sectors.

Yes, our Invoice Discounting and Purchase Finance solutions unlock cash flow from unpaid invoices and procurement needs. This maintains liquidity for companies in Water and Sanitation, Roads and Railways, and Paper & Chemicals industries.

Yes, we provide multiple sub-limits under a single sanctioned umbrella. A company in Auto manufacturing can simultaneously utilize Work Order Finance for specific tenders and a Business Loan for general operational expenses through one dashboard.

Yes. We provide specialized advisors who understand your industry. They act as consultants to help you manage credit limits and choose the right products for your business growth.

Absolutely. You can track your real-time application progress and manage your active loan accounts through the Oxyzo mobile app or our secure web-based customer portal.

Grievances can be submitted via our official portal under the 'Grievance Redressal' section. We are committed to resolving all customer issues within the RBI-mandated timelines.

Yes. Our digital-first process is intuitive, but our support team and advisors are always available to guide you through the document upload process to ensure a smooth application.

You can download interest certificates and repayment schedules anytime via our secure customer portal or mobile app. These are ready for your tax and audit purposes.