Oxyzo Financial Services Unicorn Investor

Customized financing that fuels India's enterprises, from small businesses to large corporations.

Smart financing that helps SMEs and growing corporates scale.

Tech-enabled smart financing solution provider offering working capital financing for raw material purchases, leveraging supply chain data across 30,000+ nodes.

Growth financing for established businesses.

Secured & unsecured loans for small businesses.

Consumer loans and partnerships, including retail bond investors via the GoldenPi platform.

Android and iOS apps for customer access.

Web portal with login options for individuals, businesses, and DSAs (Direct Selling Agents).

145+ physical branch locations.

RBI-registered NBFC offering purchase finance, work order finance, invoice discounting, vendor finance, business loans, machinery finance, and loans against property.

Plans to launch fixed income products for the SME space and scale other fee income business lines, including debt capital markets and securities.

Holds an A+ rating from CRISIL & ICRA, supporting access to debt capital.

Leverages supply chain data across 30,000+ nodes for underwriting.

Oxyzo is the lending arm of industrial goods and services procurement platform OfBusiness.

Raises debt capital via non-convertible debentures from institutions such as AK Capital Finance and a Neo Group-led group including Aditya Birla Sun Life AMC, Hinduja Leyland Finance and Northern Arc Capital.

Oxyzo's board approved the complete acquisition of debt investment and bond distribution platform GoldenPi Technologies Pvt Ltd and its wholly-owned subsidiary GoldenPi Securities via share-swap agreement, entering the retail bond distribution market.

Interest income from loan disbursements rose to Rs 1,141 crore in FY25, contributing 95% of total operating revenue.

Fees and commissions grew 50% to Rs 36 crore in FY24.

Finance costs climbed to Rs 439 crore in FY25, up from Rs 317 crore in FY24.

Oxyzo spent Rs 143 crore on employee benefits in FY25.