Vendor Finance in Agra

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

Vendor Finance

BenefitsHow Vendor Finance work?How to ApplyWhy OxyzoFAQsApply Online

Vendor Finance Benefits

For BuyersFor Buyers

Benefits

High scalability
High scalability
Complete big orders with multiple vendors flexibly and scale your business
Digital and Hassle-free
Digital and Hassle-free
Complete the entire process from sanction to disbursal online.
Cheaper than supplier credit
Cheaper than supplier credit
Get raw materials at the best rates by making an upfront payment

For SuppliersFor Suppliers

Benefits

Improved working capital cycles
Improved working capital cycles
Manage your working capital better and expand faster
Unsecured credit line
Unsecured credit line
The unsecured vendor finance is given without putting land or property as collateral.
Instant Disbursement
Instant Disbursement
Receive funds within 24-48 hours of vendor loan sanction

How does Vendor Finance Work?

How to Apply for a Vendor Finance

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

Strengthen vendor relationships

Strengthen vendor relationships

Improve supply chain efficiency

Improve supply chain efficiency

Extended payment terms

Extended payment terms

No collateral required

No collateral required

Quick approval process

Quick approval process

Competitive interest rates

Competitive interest rates

Flexible repayment options

Flexible repayment options

100% digital process

100% digital process

Minimal documentation

Minimal documentation

No hidden charges

No hidden charges

Dedicated support team

Dedicated support team

Scalable credit limits

Scalable credit limits

Get Working capital with Vendor Finance

Agra, the city of the Taj Mahal, is a bustling hub of business and commerce in the state of Uttar Pradesh. The city is famous for its rich cultural heritage and its thriving tourism industry. But, over the years, it has also emerged as a key player in the world of business and finance, with many companies setting up shop here. And one of the most significant players in the financial sector in Agra is Oxyzo Vendor Finance.

Oxyzo Vendor Finance is a leading provider of vendor financing solutions in Agra. The company specializes in providing financing options to businesses that sell their products and services to other businesses. The company has a range of financing products, including working capital loans, invoice discounting, and supply chain financing.

For Buyers: High Scalability, Digital and Hassle-free, Cheaper than Supplier Credit

Oxyzo Vendor Finance offers several benefits to buyers who choose to avail of their financing solutions. Firstly, the financing solutions are highly scalable, which means that businesses can access funds as per their requirement, without having to worry about minimum thresholds or maximum limits. Secondly, the entire process is digital and hassle-free, which means that businesses can apply for financing, submit their documents, and receive funds, all online. And thirdly, the financing options provided by Oxyzo Vendor Finance are cheaper than traditional supplier credit, which makes it an attractive proposition for businesses looking to optimize their cash flows.

For Suppliers: Improved Working Capital Cycles, Unsecured Credit Line, Instant Disbursement

For suppliers, Oxyzo Vendor Finance offers several advantages as well. Firstly, the financing options provided by the company help to improve working capital cycles, which means that businesses can access funds faster and manage their cash flows better. Secondly, the credit line provided by Oxyzo Vendor Finance is unsecured, which means that businesses do not have to provide collateral to access financing. And finally, the funds are disbursed instantly, which means that businesses can receive the funds they need in a matter of minutes.

In conclusion, Oxyzo Vendor Finance is an excellent financing partner for businesses in Agra. With its range of financing products, digital processes, and hassle-free experience, it provides businesses with the financial support they need to grow and succeed.

Frequently Asked Questions

What is vendor finance and how does it work for buyers and suppliers?
Vendor Finance is an anchor-led supply chain financing solution that benefits both buyers (anchors) and their suppliers (vendors). For buyers, Oxyzo pays suppliers upfront on their behalf, allowing them to negotiate better purchase prices and improve supply chain efficiency. For suppliers, Oxyzo offers an unsecured working capital credit line so they receive payment immediately after delivering goods, without waiting for extended buyer credit cycles.
Does Oxyzo provide collateral-free vendor finance?
Yes, Oxyzo offers collateral-free (unsecured) vendor finance to eligible businesses. No land, property, or bank guarantee is required. Eligibility is based on a minimum annual turnover of Rs 3 crores, at least 3 years of business vintage, and Oxyzo's credit assessment. Both buyers and suppliers can access unsecured credit lines up to Rs 5 crores.
What are the eligibility criteria and documents required for vendor finance?
A business must have minimum annual turnover of Rs 3 crores and 3+ years of operation. Required documents: KYC (PAN and Aadhaar), GSTIN, last 6 months of bank statements, GSTR details for the current financial year, and audited financial statements for the previous 3 years. For secured vendor finance, property documents may also be required.
What are the benefits of vendor finance for an anchor (buyer) company?
For anchor/buyer companies, vendor finance with Oxyzo: (1) allows upfront supplier payment without using own working capital, unlocking cash discounts of up to 3% on raw material purchases; (2) enables scaling by onboarding multiple vendors through a single credit facility; (3) the entire process from sanction to disbursement is 100% digital; (4) it strengthens vendor relationships, reducing supply chain disruptions.
What is the interest rate and repayment structure for vendor finance?
Vendor finance at Oxyzo starts from 12% per annum, with interest charged only on the amount drawn and for the actual days of use. Processing fees start from 1% per annum. The product offers flexible repayment terms of 60-120 days, aligned with the buyer's payment cycle. There are no minimum utilization charges or foreclosure penalties.
How quickly are suppliers paid under the vendor finance program?
Once the vendor finance facility is sanctioned and a valid invoice is submitted, suppliers receive payment directly from Oxyzo within 24-48 hours. This immediate payment capability eliminates the uncertainty and delays associated with extended buyer credit cycles.
Who initiates a vendor finance program -- the buyer or the supplier?
Typically, vendor finance programs at Oxyzo are initiated by the anchor/buyer company, which onboards its suppliers onto the platform. The buyer establishes the credit arrangement with Oxyzo, and once approved, their suppliers (vendors) can access the facility to receive early payment on invoices raised against that buyer. Suppliers themselves can also approach Oxyzo directly, particularly if they supply to large, creditworthy anchors who may not yet be part of the program -- Oxyzo will assess and structure the arrangement accordingly.
How is vendor finance different from purchase finance at Oxyzo?
Both products address supply chain working capital needs, but from different angles. Purchase Finance is taken directly by the buyer (borrower) to make upfront payments to its suppliers -- the borrower is solely responsible for the credit and repayment. Vendor Finance is an anchor-led program where the anchor's credibility and payment track record with Oxyzo enables its vendors to access a credit line -- the credit risk is partially backed by the anchor relationship. In practice, vendor finance is best for large buyers with multiple vendors; purchase finance is ideal for individual SME buyers procuring from multiple suppliers.
Can a small supplier with less than Rs 3 crores turnover access vendor finance?
Oxyzo's standard eligibility requires a minimum annual turnover of Rs 3 crores for vendor finance applicants. However, in anchor-led vendor finance programs, smaller suppliers may qualify for the facility if the anchor (buyer) company has a strong credit relationship with Oxyzo and formally vouches for the supplier's payment reliability through the program structure. Such exceptions are assessed on a case-by-case basis during credit underwriting. Suppliers below the standard threshold are encouraged to contact Oxyzo directly to discuss their specific situation.
What is the difference between vendor finance and supply chain finance?
Supply chain finance is the broad category that encompasses all financing solutions designed to optimize cash flow across a supply chain -- it includes invoice discounting, purchase finance, vendor finance, and factoring. Vendor finance is a specific type of supply chain finance where a lender (Oxyzo) acts as an intermediary between a buyer and its suppliers, paying suppliers early while giving the buyer extended payment terms. Oxyzo's vendor finance product is specifically an anchor-led supply chain finance solution -- the anchor company's relationship with Oxyzo is the foundation of the credit structure.
Are there any charges for suppliers to join Oxyzo's vendor finance program?
Suppliers enrolled in an anchor's vendor finance program through Oxyzo are typically subject to a processing fee starting from 1% per annum on the credit utilized. Interest charges start from 12% per annum on amounts drawn, charged only for the actual days of use. There are no membership fees or onboarding costs for suppliers. The exact fee structure may vary depending on the specific program structure negotiated between Oxyzo and the anchor company. Suppliers should confirm the applicable rates with Oxyzo's relationship team during onboarding.

Other Lending Products

Purchase
Finance

Procure raw materials at the right price

View More
Purchase <br/>Finance

Work Order
Finance

Now execute your tenders with ease

View More
Work Order <br/>Finance

Invoice
Discounting

Unlock your capital instantly

View More
Invoice <br/>Discounting

Vendor
Finance

Strengthen your supply chain with vendors

View More
Vendor <br/>Finance

Working Capital
Term Loan

Fulfill your short-term finance needs

View More
Working Capital <br/>Term Loan
HomeProducts By LocationsVendor Finance in Agra