Aye Finance provides working capital loans to micro, small and medium-sized enterprises (MSMEs) that are predominantly active in manufacturing, trading, services and livestock. It combines extensive knowledge of the industries in which they operate with thorough credit analysis.

Aye Finance distinguishes itself from other players in the market by utilising technology in mitigating the challenges faced by MSMEs in securing loans. Despite the fact that Aye Finance’s borrowers often have little credit history, the company assesses ‘thin-file’ customers with an insightful underwriting approach using cloud-computing architecture and data science methods. Aye Finance has built up thorough expertise in particular micro-industries (industry cluster knowledge), which allows it to better understand what a prospective borrower’s financials should be, assess their creditworthiness, and evaluate their reputation, ultimately helping the lender originate loans more efficiently and with less risk.