India is poised to become the world's third-largest economy by fiscal year 2028, with a projected GDP of US$ 5.2 trillion, driven by the robust expansion of the Micro, Small, and Medium Enterprises (MSME) sector. However, a critical challenge hindering this growth is the significant credit gap in the MSME sector, amounting to INR 25 trillion. Less than 10% of the population in India has access to formal credit, leaving over a billion individuals excluded from the financial mainstream. The World Bank data reveals that India's domestic credit to the private sector is only 55% of its GDP, well below the global average of 148% and lagging economically robust Asian nations like China, South Korea, and Vietnam. Lentra's Intelligent Cloud lending platform uses AI and open APIs to streamline traditional lending processes, reducing operational costs and improving customer engagement, thereby democratizing the credit ecosystem.