India has over 63 million MSMEs primarily run by sole proprietors who don’t have access to formal credit due to lack of detailed credit histories. While the adoption of UPI has revolutionized payments for both consumers and merchants, a UPI-based credit service will enable small business owners to leverage with the sheer convenience of UPI payments. Backed by domain experts, Aspire is well positioned to benefit from the growth of digital transactions and lack of formal credit available to Bharat business owners.