See the receivable clearlybefore you fund it.
Factoring an invoice off-exchange means no central facility has vetted the buyer, the goods movement, or whether it's already financed elsewhere. AssureLocker assembles that evidence into a Verified Receivables Pack with an Evidence Confidence Score — signals only; the lender decides.
See the pack
The Verified Receivables Pack
Every signal is tiered and distilled into an Evidence Confidence Score with a clear / review / flagged band, plus a conflict engine that weights related-party, missing-e-way and double-financing heaviest. Signals only — the lender decides.
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The gap we're built for
MSME receivables are a working-capital trap
Goods ship, the invoice is raised — and then the cash is stuck. Most of it is financed bilaterally, off any exchange, where no central facility has confirmed the buyer or de-duplicated the receivable. Source-verified evidence gives the lender a clearer basis for its own funding decision.
On-exchange, the platform watches your back. Off-exchange, it's on you.
What TReDS already does
On a TReDS exchange, the platform confirms the buyer and runs cross-exchange de-duplication — the Secure Financing facility under which the three TReDS platforms share data so the same invoice isn't financed twice across exchanges. On-exchange, that safety net exists. We don't replace it, and we don't claim to.
Where we come in
The moment a lender factors a receivable bilaterally — off any exchange — that work falls to the lender. A forged invoice, a related-party loop, or a receivable already pledged elsewhere looks the same as a clean one until it doesn't. The Verified Receivables Pack is built for that blind spot.
Three steps to a clear view
Register the receivable
Add the invoice you're considering — IRN, parties, amount, due date, e-way bill. From your own book, off any exchange.
We assemble the evidence
Each dimension is checked and tiered: e-invoice IRN, GST-return / e-way movement, party KYB, and — lender-side, via AssureConnect — CERSAI charge + Account Aggregator cashflow.
You get a Verified Receivables Pack
An Evidence Confidence Score that reflects evidence quality, every signal shown with its evidence tier, and a conflict engine that surfaces the patterns a bilateral lender rarely sees alone.
Six dimensions, each with its evidence tier
Invoice authenticity (e-invoice IRN)
GSTN-registered authenticity of the invoice itself
GST-return / e-way movement
The underlying goods movement is corroborated
Party KYB / GST / bank
Seller and buyer establishment signals corroborated from available KYB, GST, bank and issuer evidence
CERSAI charge + AA cashflow
Prior assignment + debtor/seller cashflow — lender-side / consent-pulled via AssureConnect
Buyer confirmation
The debtor confirms the invoice is genuine and unpaid
Insurance / logistics / quality
Issuer-attested cover, transit and inspection — issuer network, where available
Each dimension carries its evidence tier; the conflict engine then applies penalties for related-party, no-e-way and double-financing. The result is a single 0–100 confidence score with a clear / review / flagged band.
Evidence Confidence Score
A measurement of how well the receivable is evidenced — not a credit decision. Any HIGH-severity conflict forces a flag, whatever the base score.
70–100
Registry-verified across the board, buyer-confirmed, no conflicts. The strongest evidence posture.
55–69
Mostly evidenced, with gaps worth a human look — an unconfirmed buyer, a weaker tier on a dimension, or a broader existing charge that needs your review.
< 55 · or any HIGH flag
Related-party, no e-way movement, or a charge that conflicts with this specific receivable. The patterns that cost lenders the most.
How a charge or duplicate signal is reported
A registered CERSAI charge does not by itself establish that this invoice has already been financed — it may reflect a broader floating or working-capital security interest. We report four outcomes distinctly rather than collapsing them into one flag:
- Specific receivable conflictA charge or assignment that conflicts with this receivable. Weighted heaviest.
- Existing charge — lender reviewA broader working-capital or floating charge. Surfaced for your review, not scored as double-financing.
- Duplicate fingerprint matchAssureFirst matched this PO/invoice against a previously financed fingerprint.
- No relevant record foundNothing conflicting located in the records searched, at the time searched.
CERSAI is searched lender-side, under your own membership and credentials, via AssureConnect. Results are point-in-time.
Bilateral Portfolio Risk Assurance
Built for the bilateral book
Made for the receivables you finance off-exchange — exactly where there's no central facility deduping or confirming the deal for you.
One invoice or a bundle
Finance a single receivable, or aggregate several into one facility from ₹30 lakh — underwritten as one basket, with per-debtor concentration and related-party-across-lines surfaced before you commit.
A tiered evidence rail, not a yes/no
Every signal is labelled by how strongly it's evidenced — registry-verified, lender-side, issuer-confirmed, document-signed, self-declared, or missing. You see the difference.
A conflict engine that weights real fraud
Related-party invoicing, an invoice with no e-way movement, and a charge that conflicts with this specific receivable are weighted heaviest. A broader working-capital or floating charge is surfaced for your review — not treated as proof of double-financing.
Signals only — the decision stays with you
AssureLocker is a Technology Service Provider. We measure evidence; we never make the credit decision, set an advance rate, or price the deal.
Bring your own book.See a pack on a sandbox invoice — or a controlled pack on one of your receivables.
A Verified Receivables Pack on a receivable from your portfolio — registry-verified evidence, a confidence score, and a conflict engine. Signals only; you decide.
AssureLocker is a Technology Service Provider. We surface verification signals; the lender owns the credit decision, the advance rate and the price.
The bigger picture
Part of the Accepted Receivables Infrastructure
The same evidence powering this pack composes into portable, accepted, finance-ready receivable objects — reusable across lenders and rails. Evidence and acceptance, never funds.
Built OCEN-shaped — compatible with India’s open-credit stack (OCEN / ONDC-credit), not dependent on, or connected to, the network.
Receivable Evidence Object
LiveEach receivable becomes one portable, source-linked, selectively-disclosable evidence object — show a lender exactly the claims it needs, nothing more. OCEN/ONDC-credit-shaped.
AssureAccept — buyer acceptance
LiveThe financing unlock: explicit buyer confirmation or contractually-deemed acceptance (under anchor master terms), with a no-dispute signal in between. Only explicit/deemed count as accepted.
AssureValtel — dilution intelligence
LiveRealised value vs invoice face, rolled up per buyer↔supplier pair — a behavioural signal that sharpens with volume. A lender signal, never a credit decision.
Audit-ready signals — built for your FREE-AI obligations
Your FREE-AI ally, not another black box.
When a national AI-accountability framework arrives, the lenders who already documented their systems will have ready answers — the rest will be building them under scrutiny. AssureLocker hands your model-governance team a head start: documented, explainable, evidence-tiered signals, and an audit pack mapped to your obligations. We make the duty easier to meet; we don’t pretend to discharge it — testing how you use our signals in your own pipeline stays yours.
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