Veritas focuses primarily on providing medium-and long-term credit to micro enterprises. Typical customers of Veritas-small and micro entrepreneurs who run bakeries, restaurants and provision stores-have monthly incomes ranging from Rs. 25,000 to Rs. 60,000, with no prior exposure to formal business finance. MSMEs today deal with poor support infrastructure, inadequate market linkages, lack of adequate and timely financing sources and end up relying overwhelmingly on informal sources of lending. By investing in companies like Veritas that provide this support and most importantly safe and timely financing, Lok promotes organization of a sector that is critical in meeting national objectives of generating employment, improving livelihoods.