AssureLocker for lenders — connected risk signals and co-lending assurance for banks and NBFCs
Independent evidence and control infrastructure for regulated lending.
AssureLocker recomputes, corroborates and preserves source-linked evidence across co-lending, supply-chain finance, identity and portfolio risk — beside your existing systems, never in place of them. Run a measured shadow pilot on historical data and become a design partner.
Two books. One regulator. Provable agreement.
AssureCLA independently recomputes the controls a co-lending arrangement must satisfy — retention, blended rate, escrow, classification sync — from both partners' own records, and surfaces divergence while it is still correctable. Findings and evidence only; every credit decision stays yours.
Decide faster. Lend more. Lift ROI.
Verified evidence and risk signals in hours, not weeks — assembled from source rather than re-keyed, so your analysts spend their time on the exceptions. Signals only; you make every credit decision.
Reach the MSME manufacturers you couldn't profitably underwrite.
Source-verified KYB and trade evidence make underserved regional manufacturing clusters economical to assess — so you can extend MSME lending into segments that manual diligence used to price out.
Capture high-margin deals that were too costly to check.
Surface and validate the smaller-ticket, higher-yield opportunities that manual verification made uneconomic. The platform carries the cost of validation, so you can act on the spread.
ASSURECLA
Co-lending assurance, recomputed — not reported
An independent assurance overlay for a Co-Lending Arrangement between two regulated entities. AssureCLA turns each RE's records into hash-chained events and independently recomputes the split, on-book retention, blended rate, transfer window, escrow reconciliation and SMA/NPA classification sync against the RBI Co-Lending Directions 2025 — without either RE opening its book. Findings and evidence only; neither RE's credit decision is touched.
Explore AssureCLAWhat AssureCLA recomputes
One pre-credit pack for
PO, invoice and export finance
AssureSignal - Pre-Credit Verification Pack gives your credit team a source-cited review layer before underwriting. It covers the recurring evidence questions across purchase-order finance, invoice factoring and export finance: who the parties are, whether the trade or receivable is real, whether capacity and exposure make sense, and whether a conflict or duplicate-presentation risk needs reviewer treatment.
AssureSignal modules
ASSURELENS
Design-partner stageA borrower can look stable while risk accumulates around them
Behind AssureCLA and AssureSCF sits the next suite: Lens-Map assembles the structural view of facilities, security, relationships and capacity around a verified borrower, and Lens-Velocity watches how quickly credit and risk are building — evidence-backed, capacity-adjusted, lender-configured. Built on verified identity and lender-authorised data; we are selecting one design-partner portfolio to build it against.
ASSUREFIRST
First-financing registry for more than invoices
AssureFirst records a tamper-evident fingerprint when a PO, invoice or export receivable is first financed, so another participating lender can detect duplicate presentation without seeing the original lender's book. It is designed for off-exchange, pre-shipment and unsecured workflows where the same deal can otherwise be represented under different labels.
Explore AssureFirstPurchase orders
Catches first-financing posture before the invoice exists, where TReDS and invoice-only networks do not yet apply.
Invoices and receivables
Adds repeat-presentation checks alongside lender-run CERSAI and buyer-acceptance evidence.
Export finance
Supports exporter and trade-evidence fingerprints across pre- and post-shipment review.
Not InvoiceHub, CERSAI or TReDS
Those are important rails, but they are invoice-only, charge-search or exchange-specific. AssureFirst is a cross-workflow first-financing signal layer.
“We’re not another financier competing for your borrower — we’re the evidence layer that lets you say yes to good borrowers you currently can’t afford to check.”
The 2026 lending reality
Policy opened the door. The ground reality still blocks it.
RBI doubled collateral-free MSME limits and launched the Unified Lending Interface (ULI). But approvals that take minutes still take weeks to disburse — and that gap is exactly what verified evidence closes.
A technical bounce isn't a default
Credit teams still treat a GST filing delay as a hard default and overlook a strong order book without property collateral. Our evidence lets you lend against the verified order book and accepted receivable — and read a technical bounce in context.
Cut weeks off disbursal
Approval is fast; disbursal stalls on manual contact-point verification. DigiKYC + DigiKYB supply verified identity, address and entity-existence evidence that supports streamlined CPV — you keep your policy, with far less manual chasing.
Lend confidently in a cautious market
With MSME delinquencies rising, lenders are tightening. Independent, source-linked evidence de-risks the deal without adding to your balance sheet — so you can still say yes to good borrowers.
On ULI: ULI moves consented borrower data to lenders; it doesn’t verify transaction integrity, double-financing, or whether the trade is real. AssureLocker is designed to sit aboveULI — turning raw data into evidence-linked, review-ready signals. We complement ULI; we don’t replace it.
DPDP
Act compliance
Roles
RBAC entity portal
Consent
Logged evidence sharing
Expiry
Freshness & re-KYC controls
AssureConnect · lender-side
Privileged checks, inside your own boundary
CERSAI, Account Aggregator, CKYC and GeM/PFMS need your own credentials and IP — they can't be shared with a third party. AssureConnect runs them inside your trust boundary, under your identity, and returns signals only — the raw registry and FI data is discarded.
Explore AssureConnectCERSAI
Prior-charge / double-financing search
Account Aggregator
Consent-gated cashflow via your FIU
CKYC
CKYCR identity lookup (RE-run)
GeM / PFMS
Government-buyer repayment signals
Onboarding Path
Onboarding as a Regulated Entity
Registration
Select the 'Entity' portal and register using your organization's official details.
Verification
Verification via MCA21, GST, or Udyam registries to establish root trust.
Admin Setup
Appoint an Authorized Signatory and map role-based permissions.
Go Live
Start issuing and verifying credentials across your institutional network.
In depth
Purchase order and invoice finance, up close
The two AssureSignal modules credit teams reach for most — pre-shipment and post-shipment, side by side.
AssureSignal for Purchase Order
Three-Tier Pre-Shipment Risk Engine
AssureLocker screens every tier of the supply chain and delivers an evidence-linked Risk Signals Pack to your credit team before assessment. Relationship indicators between Buyer and Borrower, capacity gaps at the subcontractor level, duplicate-financing signals, and escrow readiness are surfaced — so your analysts decide on evidence, not paperwork. The credit decision stays entirely with the lender.
AssureSignal for Invoice Factoring
Post-shipment · Bilateral Portfolio Risk Assurance
The post-shipment companion to the PO pack: assess a receivable on your own off-exchange book. A tiered evidence rail — e-invoice IRN, GST/e-way movement, party KYB, CERSAI charge + AA cashflow (lender-side via AssureConnect), buyer confirmation — distilled into an Evidence Confidence Score, with a conflict engine that weights related-party, no-e-way and double-financing heaviest. Signals only; you decide.
Scale with Assurance
Built for regulated institutions and their partners.
Compliance and Interoperability
Compliance & trust boundary
A technology service provider — not a lender.
AssureLocker supplies verified evidence and risk signals and orchestrates the assessment room. It does not lend, hold or move funds, operate escrow, set advance rates or make the credit decision — your system of record does. Every signal is labelled by evidence tier; privileged registry rails run inside your own trust boundary via AssureConnect.
See it on your own book.
We'll run a verified pack on a real deal from your book — signals only, you decide.
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.