U GRO Capital is a technology-enabled non-banking finance company specializing in small business lending. It offers customized loan solutions to Micro, Small, and Medium Enterprises (MSMEs) across eight sectors, leveraging advanced data analytics and AI/ML for precise credit risk assessment. The company's target audience is MSMEs in India, addressing their unique capital needs. The unique selling proposition is its proprietary underwriting model, GRO Score 3.0, which uses non-traditional data sources to make credit more accessible, providing tailored and efficient financial solutions[1][2][5].