Aye Finance 致力于解决小微型企业融资难问题。这些企业在过去只能依靠非正式的融资来源，如个人贷款机构或种子基金。而 Aye Finance 使用自身搭建的数据平台处理分析小微企业的信用情况，即可保持运营的低成本，又可让更多不符合传统金融系统标准但具备可信度的公司拿到所需款项。截至目前，Aye Finance 已向6万多家小微企业提供了总计约7410万美元的贷款服务。
该轮融资由 Alphabet Inc 旗下的风险投资基金 CapitalG 领投, 原有投资方 SAIF Partners 和 LGT 也参与了本轮投资。该笔资金将用于 Aye Finance 未来的商务拓展及技术升级。Aye Finance 由Sanjay Sharma 和 Vikram Jetley 创立于2014年，是一家非银行的金融服务公司（NBFC），主要为小微中型企业（MSMEs， micro, small and medium enterprises ）提供抵押贷款、定期贷款等借贷类服务，目前在印度的10个邦有72个分支机构。
Aye Finance, a provider of loans to small businesses, on Monday said it has raised $21.5 million (₹145.2 crore) in its Series C round led by CapitalG, the venture capital fund owned by Alphabet Inc.
Existing investors SAIF Partners and LGT also participated in the new round.
Proceeds of the funding will be used to invest in Aye Finance’s business operations and technology. Till date, the Gurugram-based firm has raised more than ?200 crore from venture capital firms, and an additional ₹500 crore from debt and equity funds.
Founded in 2014 by Sanjay Sharma and Vikram Jetley, Aye Finance is a non-banking financial company (NBFC) that provides mortgage, hypothecation, and term loan services to micro, small and medium enterprises (MSMEs). It has 72 branches in 10 states across India.
The company focuses on solving the funding-related problems of micro-enterprises that traditionally rely only on informal sources of financing such as individual money lenders and chit funds. Aye Finance claims to use data analytics to keep operating costs low and to overcome inadequate documentation of their borrowers.
Till date, Aye Finance has disbursed more than ₹500 crore to 60,000 small and medium businesses. It also claims to have around ₹350 crore in assets under management (AUM).