The summer that year was unusually hot. When the small team of founder members got together, there was something burning in all of us. All of us had spent long years with some of the finest financial organizations around the world. But we needed something more. We needed something meaningful. There was a Government of India report that talked about Rs 25 lakh crore credit deficit in MSME industry. Micro, Small and Medium Enterprises were 6 crores in number and employed 11 crore people. The micro segment among these was the most disadvantaged when it came to access to formal credit. It was clear to us that India’s growth will not be complete without the advancement of this sector. By mid-year, we knew what we wanted to do. Indian monsoons were lashing the plains in North India. Dusty plains suddenly became covered with verdant green shoots. Our dream was slowly taking shape – exhilarating just like the petrichor. Our business plan was far from complete, but our vision was clear – We wanted to be the most admired among finance businesses catering to micro businesses in India. Our core values, that we continue to abide by, followed soon after – Innovation, Trustworthiness, Being the best, Social Good and Customer Commitment. Thus, Aye was born. Aye means ‘Yes’ in English and ‘Money’ in Hindi. Apt for what we wanted to do – say yes to the aspirations of micro enterprises by providing them with capital. As we started work, enthusiasm in the team was contagious. We knew we had mountains to move but that did not deter anyone. The initial capital for the company came from friends and angel investors. By end of 2013 we bought an NBFC so that we could start lending. But we had another challenge to surmount. It was not easy to assess the businesses we wanted to lend to. They were neither on credit bureaus nor did have any formal financial documents. Innovation was not an option, but a necessity. While we look back at our journey with pride, we remain humble and grateful. We know that our journey is far from over. We would like to remain a small company at heart. Eager, ever learning, close to our customers, nimble and relevant. We would like to be known not just for what we achieve, but for how we achieve it too. We will not lose sight of what we set out to be – the most admired micro enterprise lender. Aye to that.