How it works

Two ways in. One credit engine.

However your customer arrives — a checkout button or a finance link — the same real-time, fully digital workflow settles the deal on the page. No chasing documents, no paperwork: approved in minutes, paid the same day of settlement.

The engine, end to end live
1
Real-time credit
CDR open banking + ABN-level data.
2
Digital documents
Lease signed online in minutes.
3
ID & biometrics
Biometric identity check, fully online.
4
Vendor paid
Paid the same day of settlement.
✓
Contract starts
Live on your delivery notice.
Fully digital, end to end

No chasing documents. Ever.

For the vendor there is nothing to collect from the customer. The entire process — credit, contracts and identity — happens digitally, in minutes.

Signed digitally
Contracts are presented and signed online in minutes — nothing to print, post or scan.
Verified with biometrics
The customer's identity is confirmed digitally through biometric ID — secure, and done on their own device.
Approved in minutes
Real-time credit decisioning approves the application while the customer is still in the flow.
Paid same day
The vendor is paid in full on the same day the deal settles — no waiting on the customer.
The two pathways

Meet the customer where they are.

Credit card
Lease with Oxyan$452/mo
PATHWAY A · SELF-SERVE
Embedded at the checkout

A “Lease with Oxyan” button appears alongside cards and EFT on your online store. The customer applies in minutes and is approved in seconds — all inside your branded flow.

→No leaving your website
→Best for online & self-serve buying
Here's your finance link — apply in 2 min oxyan.link/q83f
PATHWAY B · SALES-LED
A finance link in the quote

Your rep sends a finance link inside a proposal, email or SMS. The customer applies and is approved while the rep is still on the phone.

→Perfect for field & phone sales
→Close larger, considered deals
Your vendor portal

Trigger and manage every contract.

From one portal you can start a new application, send a finance link, and track every contract live. As each one nears end of term, the portal flags it — so a refresh sale is triggered by exactly the moment your customer needs new kit.

→Start & send finance links in seconds
→Manage and track every live contract
→End-of-term alerts that trigger new sales
Contracts
portal.oxyan.com.au
Northwind Pty LtdActive · 18 mo left
Harbour ITLink sent
Delta SystemsEnd of term · refresh
Instant approval

Decisioned in about a minute.

Applications under the limit are approved instantly — no broker, no waiting. Larger tickets are referred for fast approval.

$15K
Instantly approved today
$25K
Instant approval on the next rollout

See it in your own flow.

Whether you sell it or you're buying it, Oxyan works the same way — fast, regulated, on the page.

For vendors Start an application