VMPay Asia Limited ("VMPay") is Asia's first B2B ‘Buy Now Pay Later' platform for daily sourcing and procurement. VMPay aims to inject working capital into the supply chain across industries for Underbanked and Unbanked Microbusinesses and SMEs ("MSME's) in Asia.MSMEs are usually financially excluded by traditional banks due to lack of credit history, low financial transparency, small funding amount. VMPay aims to enhance financial inclusion, i.e. provide MSMEs quick and easy access to working capital in an innovative and sustainable manner.VMPay uses alternative data to assess MSMEs' credit, provide working capital in the most convenient and cost-efficient manner, so that they can do what matters the most - better serve their clients, eventually take their business to the next level.