Financial exclusion remains a significant barrier to poverty reduction and economic development. Social entrepreneurs play a crucial role in bridging this gap, but their reach is often limited. This paper explores the potential of Artificial Intelligence (AI) as a force for financial democracy, empowering social entrepreneurs to extend financial inclusion to underserved communities. We examine how AI-powered solutions like alternative credit scoring, automated loan management, and personalized financial products can unlock financial access for the "last mile." The paper acknowledges the challenges associated with AI adoption, such as data privacy and algorithmic bias. We conclude by highlighting the need for responsible development and implementation of AI solutions to ensure a truly inclusive and equitable financial system.