# Aye Finance, a key player in providing business loans to India's micro-scale MSMEs, has embarked on an innovative journey by integrating Generative AI technology into its operations.

*fintech, genai · news · 2026-03-05 · Devdiscourse*

## Key points

- Aye Finance has developed an in-house Generative AI solution for credit assessment.
- Their AI and ML models estimate business sales using images of store premises.
- A Multimodal Large Language Model standardizes income estimations from unstructured data.
- This technology significantly lowers the cost-to-serve for micro-enterprises in smaller cities.
- The AI-driven process enables faster, more consistent loan underwriting across new sectors.

Aye Finance, a key player in providing business loans to India's micro-scale MSMEs, has embarked on an innovative journey by integrating Generative AI technology into its operations. This cutting-edge approach, developed in-house, aims to enhance formal credit access for trading businesses in tier 2 and beyond cities. The groundbreaking solution leverages AI and Machine Learning (ML) models to estimate business sales using images of store premises, significantly lowering the 'cost-to-serve' within the micro-enterprise sector. Aye Finance's use of a Multimodal Large Language Model ensures more standardized and fair income estimations, transforming unstructured data into actionable financial insights. This technological advancement allows for faster, more consistent underwriting processes, opening opportunities for widening the methodology's application across diverse sectors. Mr. Sanjay Sharma, Aye Finance's Managing Director, emphasizes this integration as a step towards operational efficiency, driving accelerated, data-driven credit decisions. With an impactful IPO and a growing clientele, Aye Finance continues to scale its operations profitably.

**Companies:** Aye Finance
**Countries:** India

[Read the full story on Devdiscourse](https://www.devdiscourse.com/article/headlines/3826593-revolutionizing-micro-enterprise-lending-aye-finances-ai-breakthrough)

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