Oxyzo Financial business loans
Oxyzo Financial is on Recur Club's lender panel, writing loan against property, operating lease, overdraft / cash credit and 4 other products. Observed tickets run ₹50 lakh to ₹5 cr, priced between 12.8% and 15%. Median turnaround from application to disbursal is about 41 days.
- ✓Tickets from ₹50 L – ₹5 Cr across 7 products
- ✓Indicative pricing 12.8% – 15%, as quoted on live transactions
- ✓Around 41 days from application to disbursal when the file is clean
- ✓We check your fit against every lender on the panel, not just this one
The screen your file has to clear
What is checked before anything else, and applies to every product below.
- Borrower: CIBIL ≥650
- age ≥2y
- avoid: Explosives, Arms and Ammunitions, Gambling and Betting, Lottery Business, Tobacco Products (varies by product)
- Andhra Pradesh, Goa, Gujarat, Haryana, Himachal Pradesh, Karnataka, Maharashtra, Madhya Pradesh, Punjab, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh, Uttarakhand, West Bengal, Andaman and Nicobar Islands, Chandigarh, Dadra and Nagar Haveli and Daman and Diu, Delhi, Jammu and Kashmir, Ladakh, Lakshadweep, Puducherry (varies by product)
- Public, Private Limited, Limited Liability Partner (varies by product)
- Financials: rev ≥₹25cr (loan against property, purchase invoice discounting, sales invoice discounting, secured term loan)
22 more ▾ ▴
- rev ≥₹250cr (working capital demand loan)
- TOL/adjusted tangible net worth ≤5
- debt/EBITDA ≤4
- networth ≥₹3cr (loan against property, purchase invoice discounting, sales invoice discounting, secured term loan)
- networth ≥₹20cr (working capital demand loan)
- DSCR ≥1
- debt/networth ≤4
- Deal: rate 11–17% (range across products — see matrix)
- ticket ₹0.2–80cr (range across products — see matrix)
- tenure 12–84mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (55%)
- median ticket ₹9cr
- median rate 14%
- median turnaround 41d
- Security asked in : Personal Guarantee Of Promoters/Directors (×9), Fixed Deposit <5% (×8), FD margin 5–10% (×8), FD margin 10–15% (×8)
- Security asked in : Personal Guarantee Of Promoters/Directors (×22), FD margin 10–15% (×11), 1st/pari-passu charge on current assets (×10), FD margin 15–20% (×9)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×33), FD margin 10–15% (×18), Escrow Of Cashflows (×4), FD margin 5–10% (×4)
- share → in-principle approval (initial interest): ≈21d
- in-principle approval → sanction (underwriting): ≈9d
- sanction → disburse (closing): ≈6d
What Oxyzo Financial lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure |
|---|---|---|---|
Purchase Invoice Discounting▾Turnaround ~34d Rejects
Wins
15 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹0.5–5 cr | 13–15% | 12 mo |
Secured Term Loan▾Turnaround ~110d Rejects
Wins
18 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹3.3 cr | 12.8% | 24 mo |
Also offered, with no terms observed yet: Loan Against Property, Operating Lease, Overdraft / Cash Credit, Sales Invoice Discounting, Working Capital Demand Loan.
What a sanction from Oxyzo Financial actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 37 sanction letters carrying the clause.
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
- auto-debit mandate19 letters
- Demand Promissory Note13 letters
- Security Cheques13 letters
- Bank Guarantee9 letters
- Promissory Note / Letter of Continuity5 letters
- Promissory Note4 letters
- auto-debit mandate ×19, Demand Promissory Note ×13, Security Cheques ×13, Bank Guarantee ×9, Promissory Note / Letter of Continuity ×5, Promissory Note ×4
What borrowers ask about Oxyzo Financial
- What does Oxyzo Financial lend?
- Oxyzo Financial writes loan against property, operating lease, overdraft / cash credit, purchase invoice discounting, sales invoice discounting, secured term loan and 1 further products. Across those, observed facilities run ₹50 lakh to ₹5 cr.
- What ticket size does Oxyzo Financial offer?
- Facilities observed on live transactions run from ₹50 lakh to ₹5 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Oxyzo Financial charge?
- Rates observed on live transactions fall between 12.8% and 15% a year. Tenures run 12 to 24 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Oxyzo Financial take to disburse?
- About 41 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Oxyzo Financial's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
Next steps after Oxyzo Financial
Answer a short set of questions and see which lenders on the panel your file clears, on each one's own recorded criteria.
Search the panel by name, product or ticket size, and compare credit boxes side by side.
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See whether Oxyzo Financial is the right lender for you
A few questions. Recur Market scores you against Oxyzo Financial and the rest of the panel, on each lender's own recorded criteria.
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Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Oxyzo Financial's current policy. Terms are set by the lender at the time of sanction.