Question 1

How does Oxyan sit inside my sales process?

Accepted Answer

Oxyan appears as a payment option alongside cards, EFT and 30-day terms — on your online checkout, inside proposals and invoices, in marketing campaigns, or as a finance link your sales team sends by email or SMS. Same engine, everywhere you sell.

Question 2

Do I carry any credit risk?

Accepted Answer

None. Oxyan funds the supplier invoice in full, in cash, on settlement. Your accounts receivable is unchanged and the credit risk sits entirely with us.

Question 3

When do I get paid?

Accepted Answer

The same day the deal settles — paid to you in full, in cash. The contract starts on your delivery notice. It is fully digital, so there are no documents to chase from the customer.

Question 4

What are the end-of-term options for the customer?

Accepted Answer

At the end of the term the customer can return the asset, renew with their preferred supplier, or keep it for a fixed price. The contract gives them that flexibility, and Oxyan does not interfere.

Question 5

What can be financed with Oxyan?

Accepted Answer

Business technology of every kind — hardware, software and licences, AV and signage, mobile fleet, security, comms and managed services.

Question 6

How much can be approved instantly?

Accepted Answer

Up to $15,000 is instantly approved today, rising to $25,000 on our next rollout. Larger tickets are referred for fast approval.

Question 7

How long does it take to go live?

Accepted Answer

About 20 minutes for the checkout button or a finance link. Our team handles the website integration and gives you marketing support, so you can start offering Oxyan as soon as today.

Question 8

How does the repayment work?

Accepted Answer

Oxyan is a regulated business lease. You pay a fixed repayment over the term — and because it is a lease, it is fully deductible as an operating expense.

Question 9

How fast is approval for customers?

Accepted Answer

Around 60 seconds. Applications under $15,000 are approved instantly, documents are signed digitally, and ID is verified online.

Question 10

Who is the lender behind Oxyan?

Accepted Answer

Oxyan is the embedded finance product of Zool Capital, a regulated Australian lender (AFSL 488196). Zool holds the credit licence and funds the book.

Question 11

Do I need to provide financials?

Accepted Answer

For most applications under the instant limit, no. We use CDR open banking and ABN-level credit data to decision in real time, so there is no paperwork to gather.

Questions, answered.