# 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. Source: https://www.recurclub.com/lenders/oxyzo-financial Last updated: 2026-09-29 ## Products and indicative terms Observed on live transactions. Not an offer or a quote. | Product | Ticket | Rate | Tenure | |---|---|---|---| | Purchase Invoice Discounting | ₹0.5–5 cr | 13–15% | 12 mo | | Secured Term Loan | ₹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. ## Eligibility ### Will not fund - Avoids supply chain financing due to higher perceived risk - No bullet payments allowed, though repayment schedules can otherwise be flexible - Not doable due to major CIBIL issues - Traders we dont do pid - Only secured BG-backed proposals can be done in such cases - Won't be able to do unsecured; can do BG backed instead - Investment grade external rating is a must - Cannot invest where there is a conflict with the NBFC team - Doesn't believe in share pledge as a security - Don't do LAS (loan against shares) - Not okay to do unsecured lending for this case - Not comfortable with the promoter group due to circular transactions and past interactions - Funds diverted to group companies (≈₹5Cr post Mar-26) despite the applicant facing a cash crunch - At the current commercials, will not pay our payout for an unsecured deal - Past track record with us was not good - overdues in multiple loan facilities with us - Won't do the deal because the parent entity of Offbusiness operates in the same line of business. - Case was earlier rejected (Apr'22) due to commercial CIBIL showing 6 of 14 loan accounts delinquent (₹10.62cr outstanding), multiple accounts in days past due/SMA0-SMA2, settled/written-off unsecured loans, auditor remarks on repayment defaults, and promoter's father having ₹2.79cr overdue - indicating an intent issue on repayment. - purchase invoice discounting won't be possible for this case (edible/crude oil trading group, low margins, fund diversion, high-cost borrowings) - Won't do unsecured in Orissa - Won't be the first lender to come in post-OTS since no other lender has entered - Can't do a case on 1 year audited financials - Evaluated and rejected in the past; passing on this case - Solex Energy (customer's major buyer, ≈Rs.200 Cr order) was rejected by the Gujarat team due to LC devolvement and low BTO - Previously rejected in ### Prefers - More focus on SME segment - Does acquisition finance and structured debt for corporates - Real estate lending focused on tier 1 cities, targeting mid and large developers - Won't do new-age companies unless there's an existing relationship - Comfortable with manufacturing, healthcare, pharma, metals and automobiles sectors - …more in playbook - More focus on SME segment - Does acquisition finance and structured debt for corporates - Real estate lending focused on tier 1 cities, targeting mid and large developers - Won't do new-age companies unless there's an existing relationship - Comfortable with manufacturing, healthcare, pharma, metals and automobiles sectors - Corporate lending focused on mid and large corporates, continuing legacy relationships rather than pushing new business - Real estate focus on five micro-markets: Bangalore, Chennai, Hyderabad, Pune, Ahmedabad and Delhi NCR - Real estate emphasis on secured transactions like construction finance and inventory finance - Sector-agnostic on corporate side but majority of business in manufacturing (metals, pharma, textiles), power distribution, thermal plants and oil & gas - Accepts security against plant, machinery and fixed assets, offering higher LTV than traditional banks - Funds managed workspace (asset-light) companies with sufficient surplus and decent margins to service investments - Focus is on manufacturing entities; can do trading but not aggressively - For trading companies, prefers some fixed assets or value addition - Can do machinery loans and machinery refinance - Contractors for public infrastructure (airports, dams, roads) is the largest pool in their portfolio - Also does BG backed purchase invoice discounting - Doesn't do unsecured in east belt (except Kolkata) unless exceptionally, or in Kerala - in these regions only does LAP or BG backed - Can do monthly drop purchase invoice discounting structure ### Screening gates and observed behaviour - 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) · 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 ## Sanctioned terms (from 37 real sanction letters) ### Sanctioned amount: median ₹2 cr (₹34L–₹10 cr) · NEW ×15 · RENEWAL ×2 · ADHOC ×1 - median ₹2 cr (₹34L–₹10 cr) · NEW ×15 · RENEWAL ×2 · ADHOC ×1 ### Typical security: auto-debit mandate ×19, Demand Promissory Note ×13, Security Cheques ×13, Bank Guarantee ×9, Promissory Note / Letter of Continuity ×5, Promissory Note ×4 - auto-debit mandate ×19, Demand Promissory Note ×13, Security Cheques ×13, Bank Guarantee ×9, Promissory Note / Letter of Continuity ×5, Promissory Note ×4 ### Typical covenants: - Other standing covenants — 97% of letters (e.g. "Facility to be used for purchase of raw material/services from OXYZO approved supplier eco-system (Business level Covenant).") - Other standing covenants — 97% of letters (e.g. "Facility to be used for purchase of raw material/services from OXYZO approved supplier eco-system (Business level Covenant).") ### Term sheet by ticket size: (facilities, largest first) - (facilities, largest first) ## Common questions ### 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. --- Check which lenders fund a business like yours: https://www.recurclub.com/recur-market All lenders: https://www.recurclub.com/lenders 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.