Purchase Finance in Guwahati

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RBI Registered NBFC

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How does Purchase Finance Work?

Purchase Finance Benefits

Cheaper procurement

Cheaper procurement

Pay your suppliers upfront and get raw materials at the best rates

Improved working capital cycles

Improved working capital cycles

Manage your working capital better by solving cash flow issues

Digital and simplified process

Digital and simplified process

Apply for credit line online with a few clicks.

Collateral-free line of credit

Collateral-free line of credit

The unsecured working capital does not require land, property, BG or any other collateral

Grow revenue and profitability

Grow revenue and profitability

Reduce your input cost and book more profits

Instant disbursement

Instant disbursement

Receive funds against submission of supplier invoices instantly

Interest as per usage

Interest as per usage

The interest rate would be charged only for the exact amount and duration of use

Revolving credit

Revolving credit

60-120 days rotation cycle to meet working capital needs

Eligibility & Required Documents

Apply with minimal documentation

Eligibility

Minimum turnover
Minimum turnover ₹3 crores
Business vintage
Business vintage 3+ years

Required Documents

details
KYC details
Last
Last 6 months of banking
Financials for previous
Financials for previous 2 fiscal years
for current fiscal year
GSTR details for current fiscal year

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
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Enhanced Security Features

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Hassle-free Loan Applications

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Simplified Documentation Process

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Get Disbursals on the Fly

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Ledger on Your Fingertips

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Enhanced Security Features

How to Apply for Credit

Step-by-step online process to apply
for Financing

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

Savings upto 3% on raw material purchases

Savings upto 3% on raw material purchases

Unsecured working capital

Unsecured working capital

Affordable interest rates

Affordable interest rates

No foreclosure charges

No foreclosure charges

No part-payment charges

No part-payment charges

No minimum utilization charges

No minimum utilization charges

No new bank account required

No new bank account required

Convenient repayments

Convenient repayments

Approval within 48 hours

Approval within 48 hours

One-time processing fee

One-time processing fee

Digitized process

Digitized process

Get Working capital with Purchase Finance

Oxyzo Purchase Finance is a revolutionary financial product designed to empower businesses in Guwahati, the largest city in the northeastern state of Assam. As a major commercial hub of the region, Guwahati is home to a diverse array of businesses spanning various sectors, from agriculture to retail and beyond.

With Oxyzo Purchase Finance, businesses in Guwahati can enjoy a range of benefits that can help drive growth, increase profitability, and improve overall financial stability. One of the most significant advantages of Oxyzo Purchase Finance is its ability to enable cheaper procurement, which can result in cost savings for businesses across various industries.

In addition to cheaper procurement, Oxyzo Purchase Finance can also help businesses improve their working capital cycles. With access to a collateral-free line of credit, businesses can secure the financing they need to fund day-to-day operations and take advantage of growth opportunities.

Oxyzo Purchase Finance is also designed to offer a digital and simplified process, making it easier for businesses to apply for and access the financing they need. With instant disbursement and interest rates that are based on usage, Oxyzo Purchase Finance is a flexible and dynamic solution for businesses in Guwahati.

Another key advantage of Oxyzo Purchase Finance is its ability to help businesses grow their revenue and profitability. By providing access to revolving credit, businesses can take advantage of new opportunities and invest in the resources they need to expand and thrive.

In conclusion, Oxyzo Purchase Finance is an ideal solution for businesses in Guwahati that are looking for a flexible, accessible, and cost-effective way to finance their operations. With a range of powerful benefits that can drive growth and improve financial stability, Oxyzo Purchase Finance is the perfect solution for businesses of all sizes and across various industries in Guwahati.

Frequently Asked Questions

What is the purpose of purchase finance ?
Purchase finance is a working capital loan offered to SMEs for purchasing raw materials on advance payment terms.
Does Oxyzo provide unsecured purchase finance only ?
No, Oxyzo provides both secured and unsecured working capital limit to SMEs. Unsecured purchase finance is completely collateral-free while secured purchase finance is given against bank guarantee or residential/commercial property
Is purchase finance similar to cash credit ?
Yes
What is the eligibility for purchase finance ?
The working capital loan eligibility 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 online.
What is the maximum working capital limit offered by Oxyzo for purchase finance ?
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 working capital limit.

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