Oxyzo

Oxyzo Financial Services is a leading fintech company specializing in tailored credit solutions for small and medium enterprises (SMEs) across India. Oxyzo operates at the intersection of finance and technology, delivering innovative lending and working capital solutions that empower businesses to expand, increase revenue, and improve profitability. 

company’s core products

• Working Capital Loans: Flexible, collateral-free loans designed to match the cash flow cycles of SMEs.

• Term Loans: Longer-tenure loans for business expansion and capital expenditure.

• Purchase Finance: Credit lines specifically for raw material procurement, often integrated with OfBusiness’s supply chain platform.

• Invoice Discounting & Bill Discounting: Liquidity solutions enabling businesses to unlock funds tied up in receivables.

• Debt Marketplace: A digital platform connecting SMEs to a network of 60+ banks, NBFCs, and financial institutions for structured debt and supply chain finance.

• Fixed Income & Securities: Recently launched offerings to diversify revenue and provide SMEs with access to capital markets.

Business Model & Revenue Streams

• Interest Income: The primary revenue stream, accounting for over 94% of operating revenue, comes from interest charged on loans and credit lines extended to SMEs.

• Service & Processing Fees: Fees collected for loan processing, documentation, and other value-added services.

• Marketplace Commissions: Oxyzo earns commissions by facilitating debt placements and supply chain finance for SMEs on its digital marketplace, connecting them to a network of lenders and financial institutions.

• Consultation Fees: Revenue from advisory and consultation services to help SMEs optimize financial operations and access capital efficiently.

• Subscription Fees: Recurring income from premium memberships or access to specialized features, such as the tender discovery platform and curated financial tools.

• Partnership Revenue: Commissions and revenue-sharing from partnerships with banks, NBFCs, and supply chain partners.

Customer Segmentation

• B2B (Core Focus): Small and medium enterprises (annual revenues from ₹5 crore to ₹500 crore) across manufacturing, retail, services, and core sectors.

• Enterprise: Larger corporates and mid-market companies seeking structured debt, supply chain finance, or access to capital markets.

• Financial Institutions: Banks and NBFCs partnering with Oxyzo to access curated SME borrowers and co-lend or participate in the debt marketplace.

Growth Strategy

• Market Expansion: Scaling operations beyond metros into tier-2/3 cities and underserved regions, tapping a broader SME base.

• Product Innovation: Continuously launching new products, such as fixed income, securities, and supply chain finance solutions, to meet evolving SME needs.

• Digital Transformation: Investing in proprietary technology for credit scoring, risk management, and customer onboarding to ensure efficiency and scalability.

• Strategic Partnerships: Collaborating with banks, NBFCs, and technology providers to expand reach and diversify offerings.

• Customer Retention: Focusing on personalized service, flexible products, and integrated procurement-financing to build long-term client relationships.

Conclusion

Oxyzo is redefining SME financing in India through its tech-enabled, customer-first approach and integrated financial solutions. With a strong track record of profitability, rapid growth, and continued innovation, Oxyzo is well-positioned to capture a significant share of India’s vast SME lending market. Its differentiated business model, robust digital infrastructure, and commitment to empowering businesses make it a compelling choice for investors, researchers, and industry professionals looking to understand the future of B2B fintech in India.