OfBusiness

OfBusiness is a leading Indian B2B commerce and fintech platform, founded in 2015 and headquartered in Gurgaon, Haryana. The company operates at the intersection of commerce, manufacturing, and finance, serving as a one-stop solution for small and medium-sized enterprises (SMEs) across India. OfBusiness specializes in the procurement and supply of core industrial materials such as metals, chemicals, agri-products, and apparel, and has expanded its reach to 26 states and 7 union territories.

Core Products and Services

• Raw Material Procurement: OfBusiness offers a tech-enabled platform for SMEs to source metals, chemicals, agricultural products, and apparel at competitive prices, either from its own manufacturing units or third-party suppliers.

• Financing Solutions: Through its NBFC arm, Oxyzo, OfBusiness provides structured working capital and short-term financing tailored to SME needs, with industry-leading low NPA rates.

• AI-Enabled Platforms: BidAssist helps SMEs access and analyze over 50 million government tenders, while Nexizo.AI provides real-time commodity pricing and market intelligence.

• Integrated Logistics: The company manages end-to-end logistics, engaging with 4,000+ transporters to deliver 7 million tonnes of material annually, all tracked in real time.

• Private Label & Contract Manufacturing: OfBusiness has entered private labeling and contract manufacturing to enhance profitability and ensure timely delivery.

Unique Value Proposition

OfBusiness stands out by combining procurement, financing, and technology on a single platform. Its integrated ecosystem addresses the dual pain points of material sourcing and working capital for SMEs, enabling operational efficiency, cost savings, and business growth. The company’s proprietary algorithms and data-driven approach ensure robust underwriting and risk management, reflected in its industry-best NPA rates.

Business Model & Revenue Streams

OfBusiness operates a robust, integrated business model that blends B2B commerce with fintech services, creating multiple, mutually reinforcing revenue streams. It's primary revenue sources are:

• Direct Sales of Raw Materials: The core revenue driver is the sale of industrial materials (metals, chemicals, agri-products, apparel) to SMEs and enterprises.

• Financial Services & Lending: . Revenue is generated via interest and processing fees on credit products.

• Private Label & Contract Manufacturing: Manufacturing now accounts for 27% of revenue, reflecting the success of this vertical.

• Logistics & Supply Chain Solutions: OfBusiness manages logistics for all consignments, providing value-added services and maintaining control over delivery quality and timeliness. This also creates ancillary revenue opportunities through logistics management.

Customer Segmentation

• B2B Focus: The primary customers are SMEs and enterprises across manufacturing, construction, agriculture, and infrastructure sectors.

• Suppliers & Manufacturers: The platform also engages with suppliers, offering them upfront payments, consistent order volumes, and transaction visibility, thus building a loyal supplier network.

Conclusion

OfBusiness is redefining India’s B2B commerce by fusing technology, finance, and supply chain expertise. Its scalable, profitable model and strong execution make it a standout choice for investors and a transformative partner for SMEs and industry professionals.