Happy is a digital lending platform that focuses on Micro, Small, and Medium Enterprises (MSMEs) in India. Founded in 2016 by Manish Khera, the company aims to enhance financial inclusion for micro-entrepreneurs. Happy has been recognized globally, being named one of the Inclusive Fintech 50 by Visa and IFC in 2019, and has received national awards for its innovative approach. The company offers a variety of financial services tailored to MSMEs, including unsecured loans, collateral-free working capital loans, and inventory finance. Happy utilizes alternate data for credit assessments, allowing it to serve micro-MSMEs that traditional lenders often overlook. With a user base of 35 lakh and a goal to reach 1 million customers by the end of 2023, Happy is committed to integrating credit-invisible micro-MSMEs into the formal credit ecosystem, supporting India's inclusive growth agenda.