Follow the dealto repayment.
Pre-shipment is only half the story. Once the goods leave the dock, the lender loses sight of the deal — realisation, insurance cover, the uninsured gap. AssureLocker carries the evidence rail into that back half: IEC, ECGC cover, e-BRC realisation and delivery-to-repayment tracking — and AssureSignal Monitor keeps re-checking the funded deal on a weekly or daily cadence, with a recorded e-BRC realisation closing the monitored exposure automatically. Signals only; the lender decides.
The gap we're built for
Exporters get funded least, and watched least
The goods ship; the cash is months away across a border. SME exporters are the most likely to be refused trade finance — and once a deal is post-shipment, no central facility is confirming realisation or insurance cover for the lender. Source-verified evidence is what lets them fund it.
The lifecycle
One deal, four moments — the lender sees every one
Most tools stop at sanction. Export risk lives after the order is placed — so we carry the same evidence rail from the order through to the money coming home.
The order is confirmed
A buyer PO or export order anchors the deal. Our pre-shipment Deal Orchestrator already covers this half — party KYB, the order itself, the financeability signal.
Dispatch & the crystallised invoice
On dispatch the export invoice crystallises. We register it and corroborate dispatch/delivery so the lender sees the deal has actually moved.
Proceeds come back
e-BRC / bank-realisation evidence — via the DGFT public exporter API where access is available, otherwise bank- or issuer-attested with a trust ladder.
The lender follows it home
ECGC cover status and the uninsured gap travel with the deal end-to-end, so repayment risk is visible — not assumed.
Verification pipeline
Sanctioned routes. Evidence-tiered.
Each signal is sourced through an official channel where available, otherwise issuer- or document-attested — and always labelled by its evidence tier.
| Verification area | Source / channel | Evidence tier | Status |
|---|---|---|---|
| IEC — Importer-Exporter Code | DGFT public exporter API | Registry-verified* | Where access provisioned |
| e-BRC / realisation evidence | DGFT API · bank-provided | Registry-verified / issuer-confirmed* | Where access provisioned |
| ECGC cover status | ECGC official channel | Issuer-confirmed / document-signed* | Attested until live |
| Uninsured-gap exposure | Computed from cover ÷ value | Computed signal | Live |
| Dispatch & delivery | Shipment / logistics evidence | Issuer-confirmed | Live |
| Crystallised invoice + de-dupe | Lender book (AssureConnect) | Lender-side | Live |
| Party KYB / GST / bank | GSTN · KYB · issuer | Registry-verified / issuer-confirmed | Live |
*Registry routes (DGFT public exporter API; ECGC official channel) are per-tenant, read-only and rolled out where access is provisioned; until live for a tenant the same signal is issuer- or document-attested with a trust ladder. We do not operate robotic process automation against government portals. AA cashflow, where used, is consent-based (the lender acts as FIU) and aggregated. See the platform posture for live vs sandbox.
The signals
Six signals, each with its evidence tier
A registry-verified IEC and an exporter-attested cover document are not the same thing — and the lender should never have to guess which is which.
IEC — Importer-Exporter Code
The exporter's IEC, registry-verified against the DGFT public exporter API where access is available, otherwise issuer-attested.
Registry-verified · where availablee-BRC / realisation evidence
Electronic Bank Realisation Certificate / proceeds evidence through bank-, lender-provided or issuer-attested channels.
Registry-verified · where availableECGC cover
Export-credit insurance status — exporter-attested with a trust ladder (a signed cover document is strongest); official-channel verification where available.
Issuer-confirmed · where availableUninsured-gap signal
Where cover is partial or absent, the exposed portion is surfaced explicitly and quantified — never hidden behind a green tick.
Computed (derived) signalDelivery & dispatch tracking
Shipment and delivery corroboration so the lender can follow the consignment through to realisation.
Issuer-confirmed · trust-ladderedCrystallised-invoice registration
The post-shipment export invoice is registered and de-duplicated against the lender's own book.
Issuer-confirmed · trust-ladderedThe uninsured gap, quantified
ECGC cover is rarely all-or-nothing. A policy can exclude a buyer, cap a country, or lapse mid-shipment — and the exposed slice is exactly what a lender carries alone. We compute that gap from the declared cover and the deal value and surface it on the front page of the pack, with the evidence tier behind every input.
No green tick stands in for cover that isn't there. Where evidence is weak, the pack says so.
Illustrative — sandbox
Cover is exporter-attested (trust-laddered); a signed cover document raises the tier. The lender owns the decision.
Why lenders use it
Evidence you can stand behind
The whole lifecycle, one rail
Pre-shipment financeability and post-shipment realisation on a single evidence rail — so a lender doesn't lose sight of the deal the moment the goods leave the dock.
Evidence-tiered, not a yes/no
Every signal is labelled by how strongly it's evidenced — registry-verified, issuer-confirmed or document-signed — with the uninsured gap surfaced as a computed signal on top. The lender always knows the strength behind each tick.
The uninsured gap, in the open
Partial or absent ECGC cover is the quiet killer in export lending. We quantify the exposed slice and put it on the front page of the pack.
Signals only — the decision stays with you
AssureLocker is a Technology Service Provider. We assemble and tier evidence; we never make the credit decision, set an advance rate, or move the funds.
Post-Shipment Export Evidence Pack
IEC, realisation, ECGC cover and the uninsured gap, each with its evidence tier — one verifiable document your credit team reads before it advances against an export deal.
Lender-side, post-shipment intelligence
The pack carries the back half of the lifecycle — realisation and cover — alongside the pre-shipment financeability signal, so a single rail follows the deal from order to repayment. Decoupled from advance size, under the strict Technology Service Provider posture AssureLocker operates.
What AssureLocker does not do
- Lend, or guarantee any financing outcome
- Hold or move funds, or operate escrow
- Set advance rates or make the credit decision
- Broker loans or act as a recovery agent
Signals and evidence only — the lender’s system of record makes the credit decision and disburses.
Design-partner programme
Shape it on real deals
A closed programme for NBFCs, banks and supply-chain financiers — influence the signals and thresholds, run a controlled pilot on a ring-fenced deal set, and get preferential early-partner terms.
Part of the AssureSignal family