Invoice Discounting in Delhi-NCR

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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

BenefitsHow Invoice Discounting work?How to ApplyWhy OxyzoFAQsApply Online

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?

How to Apply for a Invoice Discounting

Step-by-step online process to apply for Financing
Apply For Credit
1
Check Eligibility
Check your loan eligibility
2
Submit Application
Complete a 100% online application form
3
Get Sanctioned
We will evaluate your application and propose a fair sanction
4
Receive Funds
Get disbursements within 2 days of sanction

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

Get Working capital with Invoice Discounting

Oxyzo Invoice Discounting in Delhi NCR is a financial service provider that offers quick and hassle-free working capital to businesses in the region. Delhi NCR, which stands for National Capital Region, is a vast metropolitan area that encompasses Delhi, the capital city of India, and its surrounding regions, including Noida, Gurgaon, Faridabad, and Ghaziabad.

Delhi NCR is one of the fastest-growing regions in India, with a thriving business community that includes startups, small and medium-sized enterprises, and multinational corporations. However, access to working capital can be a challenge for many businesses in the region, especially for those that are just starting or experiencing rapid growth.

That’s where Oxyzo Invoice Discounting comes in. With their innovative financing solutions, they help businesses in Delhi NCR get the capital they need to grow and succeed. One of the biggest benefits of their services is the speed at which they can provide funding. Unlike traditional lenders, Oxyzo Invoice Discounting offers a quick and efficient financing process that can provide businesses with the working capital they need in as little as 24 hours.

Another advantage of working with Oxyzo Invoice Discounting is the minimal paperwork required. Traditional lenders often require extensive documentation and collateral to secure funding, which can be a time-consuming and stressful process for businesses. Oxyzo Invoice Discounting, on the other hand, offers a streamlined process that requires minimal documentation, making it easier and faster for businesses to get the funding they need.

In addition to providing quick and easy working capital, Oxyzo Invoice Discounting offers revolving credit, which means that businesses can access funds whenever they need them. This can be especially beneficial for businesses that experience fluctuations in cash flow, as they can access the capital they need to cover expenses or take advantage of growth opportunities.

Overall, Oxyzo Invoice Discounting in Delhi NCR offers a valuable service to businesses in the region. With their innovative financing solutions, businesses can get the capital they need to grow and succeed, without the hassle and delays of traditional lending. So, if you’re a business owner in Delhi NCR, consider working with Oxyzo Invoice Discounting to get the working capital you need to take your business to the next level.

Frequently Asked Questions

What is invoice discounting and how does it benefit my business?
Invoice discounting is a receivables financing solution where a business sells its unpaid invoices to Oxyzo in exchange for immediate cash. This allows businesses to unlock working capital tied up in outstanding receivables without waiting for customers to pay. The key benefits include improved cash flow, no collateral requirement, and the ability to take on more business orders without being constrained by slow payment cycles.
What is the eligibility criteria for invoice discounting at Oxyzo?
To be eligible for invoice discounting at Oxyzo, a business must have a minimum annual turnover of Rs 3 crores and at least 3 years of business operation. Eligible entity types include Public Limited, Private Limited, Sole Proprietorship, and Partnership firms. The invoices being discounted should be backed by genuine trade transactions with creditworthy buyers.
What is the maximum limit offered for invoice discounting?
The credit limit under invoice discounting is determined individually, based on the applicant's invoice volume, buyer creditworthiness, and Oxyzo's credit assessment. Unsecured limits can go up to Rs 5 crores for eligible businesses. Higher limits may be sanctioned for strong credit profiles or businesses with established buyer relationships.
What is an escrow account and how is it used in invoice discounting?
An escrow account is a neutral third-party account held by the lender that holds funds during a transaction until conditions are met. In invoice discounting, the borrower's buyers are directed to deposit payments into this escrow account. This gives Oxyzo a first right of withdrawal on incoming payments, ensuring repayment security while the business gets upfront liquidity.
What interest rate is charged on invoice discounting?
Invoice discounting at Oxyzo starts from 12% per annum, charged only on the funds utilized and for the actual number of days the invoice remains outstanding. Processing fees start from 1% per annum. There are no hidden charges, and since this is a revolving facility, the business only pays for what it actually uses.
What are the documents needed to apply for invoice discounting?
Businesses applying for invoice discounting need: KYC documents (PAN and Aadhaar), GSTIN, last 6 months of bank statements, GSTR details for the current financial year, audited financial statements for the last 3 years, and copies of the invoices to be discounted. The application is 100% online and approval typically happens within 48 hours.
What is the difference between invoice discounting and invoice factoring?
Invoice discounting and invoice factoring are both receivables financing tools, but they differ in control and confidentiality. In invoice discounting, the business retains control of its sales ledger and continues to collect payments from buyers -- the lender's involvement is typically not disclosed to the buyer. In factoring, the lender (factor) takes over the debtor ledger, contacts buyers directly for collection, and the arrangement is often disclosed. Oxyzo's invoice discounting is a confidential facility where the business maintains its buyer relationships and collections process.
Can I choose which invoices to discount, or must I discount all of them?
With Oxyzo's invoice discounting facility, you have flexibility to select which invoices you want to discount based on your immediate cash flow needs. You are not required to discount every invoice you raise -- you can pick invoices selectively, for example from specific buyers or in months when your receivables cycle is longer. This selective discounting approach is more cost-effective since you only pay interest on the invoices actually financed, rather than committing your entire debtor book.
What happens if a buyer fails to pay the discounted invoice on time?
In Oxyzo's invoice discounting structure, the SME (borrower) typically retains the credit risk of the buyer -- meaning if a buyer fails to pay, the SME remains responsible for repaying Oxyzo. This is called 'recourse' invoice discounting. The escrow account mechanism provides Oxyzo with a first right of recovery on incoming payments. To avoid complications, it is advisable to discount invoices only against creditworthy, established buyers with a reliable payment history.
How is invoice discounting different from a working capital term loan?
The fundamental difference is the basis of the credit. Invoice discounting is asset-backed finance -- the credit is extended against specific, identifiable receivables (your raised invoices), and repayment naturally occurs when buyers pay. A working capital term loan is cash-flow-based finance -- you receive a lump sum and repay in fixed EMIs regardless of your invoice collections. Invoice discounting is self-liquidating and more aligned to your actual business rhythm, while a term loan provides a fixed cash injection with a fixed repayment schedule.
Is invoice discounting suitable for businesses with long payment cycles (90+ days)?
Yes -- invoice discounting is particularly well-suited for businesses with long buyer payment cycles of 60, 90, or even 120+ days. Industries such as manufacturing, export, infrastructure, pharmaceuticals, and FMCG distribution often have extended payment terms with large buyers. By discounting invoices immediately after delivery, these businesses can convert long-dated receivables into same-day cash, maintain steady operations, and avoid the cost of alternative high-interest short-term borrowing.

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