# Oxyzo > Oxyzo (Oxyzo Financial Services Limited) is an RBI-registered, tech-driven non-banking financial company (NBFC) headquartered in Gurugram, India, that provides collateral-light, digital working-capital and term financing to SMEs, emerging corporates, and micro-enterprises. Founded in 2016 (commencing lending operations in November 2017) as the lending arm of the OfBusiness (OFB) group, Oxyzo offers products including Purchase Finance, Work Order Finance, Invoice Discounting, Vendor Finance, Business Loans, Machinery Finance, and Loan Against Property, with loans up to ₹5 crore, a 100% digital application, and approval in as little as 48 hours. This website's content is available in 11 languages — en, hi, gu, or, ta, te, mr, bn, pa, kn, ml — but only the canonical (default/English) URLs are listed below. ## Products & Services - [All Products](https://www.oxyzo.in/all-products): Overview of Oxyzo's full range of SME and corporate financing products. - [Purchase Finance](https://www.oxyzo.in/purchase-finance): Working-capital loan that pays suppliers upfront so SMEs can buy raw materials at better rates; interest charged only on funds used. - [Work Order Finance](https://www.oxyzo.in/work-order-finance): Financing for SMEs to execute tenders and work orders issued by government and large corporate bodies. - [Invoice Discounting](https://www.oxyzo.in/invoice-discounting): Receivables/bill discounting that unlocks immediate cash from unpaid invoices to strengthen working-capital cycles. - [Vendor Finance](https://www.oxyzo.in/vendor-finance): Anchor-led supply-chain financing that pays suppliers early while giving buyers extended payment terms. - [Business Loan](https://www.oxyzo.in/business-loan): Collateral-free term loan for SMEs funding expansion and growth, up to ₹5 crore with rates from 12% p.a. - [Machinery Finance](https://www.oxyzo.in/machinery-finance): Capex term loan for purchasing new or refurbished plant, machinery, and equipment. - [Loan Against Property](https://www.oxyzo.in/loan-against-property): Secured financing against residential, commercial, or industrial property for business needs. - [Product by Locations](https://www.oxyzo.in/products/locations): Directory of city- and state-specific product landing pages across India. ## Customer Segments - [SME & Emerging Corporates Financing](https://www.oxyzo.in/sme-and-emerging-corporates-financing): Working capital, capex, and supply-chain financing for established businesses and growing corporates. - [Micro Enterprises Financing](https://www.oxyzo.in/micro-enterprises-financing): Secured and unsecured small-ticket loans for micro-enterprises, traders, and small manufacturers. - [Retail & Others Financing](https://www.oxyzo.in/retail-and-others-financing): Onlending and partnership solutions that channel institutional capital to NBFCs and retail borrowers. ## Industries - [All Industries](https://www.oxyzo.in/industries): Overview of the industry sectors Oxyzo finances across the value chain. - [Agri & Dairy Loans](https://www.oxyzo.in/industries/agri-dairy): Financing tailored to the seasonal, capital-intensive agriculture and dairy sectors. - [Auto & Auto Ancillaries](https://www.oxyzo.in/industries/auto-manufacturing-finance): Financing for automotive manufacturing and ancillary businesses. - [Capital Goods & PEB](https://www.oxyzo.in/industries/capital-goods-peb): Financing for capital goods and pre-engineered building manufacturers. - [Consumer Goods, Electrical & Electronics](https://www.oxyzo.in/industries/electrical-electronics): Financing for consumer goods, electrical, and electronics businesses. - [E-Mobility](https://www.oxyzo.in/industries/e-mobility): Financing for the electric mobility sector. - [Financial Institution](https://www.oxyzo.in/industries/financial-institution): Financing solutions for financial institutions and NBFCs. - [Finished Garments](https://www.oxyzo.in/industries/finished-garments): Financing for the finished garments and textiles sector. - [Institutions and Factories](https://www.oxyzo.in/industries/institutions-factories): Financing for factories and institutional businesses including healthcare and education. - [Infrastructure](https://www.oxyzo.in/industries/infrastructure-financing): Financing for infrastructure projects and contractors. - [Logistics](https://www.oxyzo.in/industries/logistics): Financing for logistics, warehousing, and transportation businesses. - [Paper, Polymer & Industrial Chemicals](https://www.oxyzo.in/industries/polymer-chemicals): Financing for paper, polymer, and industrial chemicals businesses. - [Pharmaceuticals & Medical Equipments](https://www.oxyzo.in/industries/pharmaceuticals): Financing for pharmaceutical and medical equipment companies. - [Power, Solar & Small Equipments](https://www.oxyzo.in/industries/solar-power): Financing for power, solar, and small equipment businesses. ## Company - [About Us / Who We Are](https://www.oxyzo.in/about/info): Company overview, mission, and history of Oxyzo as an RBI-registered SME-lending NBFC. - [Team / Board of Directors](https://www.oxyzo.in/about/team/board-of-directors): Board of directors (Ruchi Kalra, Vasant Sridhar, Asish Mohapatra, and independent directors), KMPs, senior management, and company committees. - [Investors](https://www.oxyzo.in/about/investors): Information on Oxyzo's institutional investors. - [Lending Partners](https://www.oxyzo.in/about/partner): List of partner NBFCs and financial institutions. - [Contact Us](https://www.oxyzo.in/contact-us): Corporate and registered office contact details, support, and customer care. - [Partner with Us (DSA)](https://www.oxyzo.in/direct-selling-agent): Register as a Direct Selling Agent (loan agent) with Oxyzo. ## Resources & Tools - [Loan EMI Calculator](https://www.oxyzo.in/emi-calculator): Tool to calculate business-loan EMIs by amount, interest rate, and tenure. - [GST Calculator](https://www.oxyzo.in/gst-calculator): Tool to calculate GST (CGST/SGST/IGST) on goods and services in India. - [Purchase Finance vs Business Loans](https://www.oxyzo.in/purchase-financing-vs-business-loans): Comparison guide explaining the differences between purchase finance and business loans. - [FAQs](https://www.oxyzo.in/faqs): Knowledge hub with answers on eligibility, documentation, disbursals, and products. - [Blogs](https://www.oxyzo.in/about/blogs): Articles and insights on SME finance topics. - [News](https://www.oxyzo.in/about/news): Latest news and developments about Oxyzo. - [Awards & Updates](https://www.oxyzo.in/about/awards): Accolades and recognition earned by Oxyzo. - [Press Release](https://www.oxyzo.in/about/press-release): Official announcements and press releases. ## Investor Relations - [Codes and Policies](https://www.oxyzo.in/investor-relation/codes-and-policies): Corporate codes and policies. - [CSR](https://www.oxyzo.in/investor-relation/csr-policies): Corporate Social Responsibility policies and commitments. - [Disclosures Under Regulation 62 of SEBI](https://www.oxyzo.in/investor-relation/disclosures): SEBI Regulation 62 disclosures and regulatory filings. - [Financial Information](https://www.oxyzo.in/investor-relation/financial-information): Financial reports and statements. - [Statutory Disclosures](https://www.oxyzo.in/investor-relation/statutory-disclosures): Statutory disclosures, digital lending partners, and other disclosures. ## Legal - [Terms of Use](https://www.oxyzo.in/terms-of-use): Terms and conditions governing use of the website and services. - [Privacy Policy](https://www.oxyzo.in/privacy-policy): Privacy policy describing how Oxyzo handles personal data (links to downloadable PDFs). - [Fraud Prevention](https://www.oxyzo.in/fraud-prevention-page): Guidelines and measures to safeguard customers against financial fraud. ## Optional - [Grievance Redressal](https://www.oxyzo.in/contact-us/email-address-for-grievances-redressal): Email and process for raising customer grievances. - [Scheme](https://www.oxyzo.in/other-information/scheme): Information on government-backed schemes such as ECLGS. - [Cancel Mandate](https://www.oxyzo.in/other-information/mandate-removal): Process to cancel a NACH mandate. - [Vendor Information](https://www.oxyzo.in/other-information/vendor-termination): Vendor termination information. - [Lending Service Providers](https://www.oxyzo.in/other-information/lending-service-providers): Information on third-party agents authorized to perform lending functions. - [Co-Lending Partners (REs)](https://www.oxyzo.in/other-information/co-lending-partner): Information on co-lending arrangements with RBI-regulated entities. - [Corporate Financing](https://www.oxyzo.in/corporate-financing): Smart financing solutions for startups, small businesses, and emerging corporates.