Driving growth of
Micro-Enterprises

Oxyzo offers fast, collateral-free credit to micro-enterprises. Scale your business with simple documentation and fast, hassle-free disbursement

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Powered by Z-First
RBI Registered
RBI Registered NBFC
8,500+ Cr
AUM
10,000+
Businesses Powered
A+ Rating
CRISIL & ICRA
77,000+ Cr
Total Disbursed
145+
Branches
Opt Lower Rates or No Collateral
Choose collateral-backed or unsecured lending - straightforward, fast, and reliable
RBI Compliant
100% Secure
Instant Approval
Secured
Lower rates, higher funding for bigger plans
Loan Amount:
From 1 Lakh to 10 Lakh
Interest Rate:
From 1% monthly (~21% p.a.)
Tenure:
Up to 7 yrs (Flexible)
Unsecured
Fast, collateral-free funds for smaller needs
Loan Amount:
From 50k to 2.5 Lakh
Interest Rate:
From 1.32% monthly (~28% p.a.)
Tenure:
Up to 7 yrs (Flexible)
Business Categories We Serve
From Auto to Agriculture, Consumer Goods to Capital Projects, Oxyzo has powered 10,000+ businesses across industries with financing tailored to their unique growth cycles.
Credit Based on Your Need Types
From everyday working capital to long-term expansion, choose the loan type that matches your ambition.
Business Asset Purchase
Buy machinery, equipment, or other business assets to fuel growth
Shop Renovation
Upgrade your premises and interiors to attract more customers
Working Capital
Keep daily operations and inventory running without cash flow stress
Business Expansion
Open new branches or scale up existing operations with ease
Vehicle Purchase
Finance commercial vehicles to power your logistics needs
Debt Consolidation
Simplify your finances by combining multiple loans into one EMI
What Our Clients Say
Real stories from real businesses that have grown with Oxyzo's tailored financial solutions.
Mr. Vinay Yadav
CEO of an agriculture company
Struggled with limited funds and a growing supply-demand gap. Seeking working capital, he approached Oxyzo. With supplier payment financing, Oxyzo helped him meet business needs, overcome challenges, and achieve strong profits. Today, his business is thriving.
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Media & Insights
Stay updated with the latest news, insights, and thought leadership from Oxyzo

Frequently Asked Questions

General
What is a Micro Enterprise loan?
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.
How does Oxyzo support small shop owners?
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.
Are Oxyzo micro-loans regulated by the government?
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.
Is there a minimum business size required?
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.
What sectors does Oxyzo specialize in?
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.
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