Invoice Discounting

Discount your receivables and boost your cash inflows with our bill discounting solution

RBI Registered
RBI Registered NBFC

Check Your Loan Eligibility in Just 2 minutes!

Attractive interest rates
Attractive interest rates
Unsecured Loan upto 5 Crores
Unsecured Loan upto 5 Crores
Approval within 48 Hours
Approval within 48 Hours

Ready to Apply? Here's What You'll Need

Eligibility Criteria

Minimum turnover
₹3 crores
Years of Operation
3+ years
Entities
  • Public Limited
  • Private Limited
  • Sole Proprietorship
  • Partnership

Required Documents

Business Proof
GSTIN
KYC Details
  • PAN Card
  • Aadhaar Card
Financial Documents (last 3 years)
  • Bank Statement
  • Balance Sheet
  • P&L Statement

Our Terms

Interest Rates
Starts from 12% per annum
Processing Fees
Starts from 1% per annum
Penal Interest
Starts from 2% per month + Applicable Tax
EMI & Check Bounce Charges
500 + Applicable Tax

Invoice Discounting Benefits

Instant liquidity

Instant liquidity

Convert your unpaid invoices into immediate cash

Improve cash flow

Improve cash flow

Maintain steady cash flow without waiting for payment cycles

No collateral required

No collateral required

Unsecured financing against your invoices

Quick approval

Quick approval

Get approved within 48 hours with minimal documentation

Flexible terms

Flexible terms

Choose invoices to discount based on your needs

How does Invoice Discounting Work?

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Eligibility Criteria
Turnover
₹3 Cr+
Years of Operation
3+ Years
Entities
Public Ltd, Pvt Ltd, Sole Proprietorship, Partnership
Visit Oxyzo Website
Step Completed
Start your journey to better financing
Check my Eligibility
Doesn’t impact credit score
Complete Application
Simple 100% online form
Get Your Offer
Get a fair offer tailored to you
Receive Funds
Receive funds in 48 hrs and start growing

Why Oxyzo?

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

Unlock working capital instantly

Unlock working capital instantly

No collateral required

No collateral required

Competitive interest rates

Competitive interest rates

Quick approval process

Quick approval process

Flexible repayment options

Flexible repayment options

Minimal documentation

Minimal documentation

100% digital process

100% digital process

No hidden charges

No hidden charges

Know about Invoice Discounting

Invoice Discounting is a working capital solution that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting for customers to pay, businesses can get immediate access to funds by discounting their invoices. This helps maintain smooth cash flow and enables businesses to meet their operational expenses without delay. Oxyzo provides invoice discounting services with competitive rates and a fully digital process.

Frequently Asked Questions

What does invoice discounting mean ?
Invoice discounting or bill discounting is a receivables financing wherein you sell your unpaid invoices to a lender for immediate cash to strengthen your working capital cycles.
What are the advantages of invoice discounting ?
With invoice discounting, one can get paid against unpaid invoices and fulfill their working capital finance needs. There is no collateral required.
What is an escrow account ?
Escrow account is an arrangement in which escrow amount is held by the third party,usually a lender, on behalf of the buyer and seller that are in the process of completing a transaction. It facilitates secure and safe transactions as the third party has the first right of withdrawal in case of default.
What is the eligibility for invoice discounting ?
The eligibility for invoice discounting depends on the business vintage and turnover.SMEs must have a minimum turnover of 3 crores and a business vintage of atleast 3 years to apply for online invoice discounting.
What is the maximum limit offered by Oxyzo for invoice discounting ?
It depends on the eligibility, your requirement and our comfort.If you meet our basic guidelines and our team has comfort in terms of credit assessment, we offer a decent proportion of the invoice value.
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