See a pre-shipment PO clearlybefore you fund it.
We cross-check registry, tax, trade, credit and banking evidence across all three supply-chain tiers into one evidence-linked pack, with a cited AI narrative your team can question. Signals inform; you decide.
The output
A Risk Signals Pack on every deal
Three-party evidence — buyer, borrower, subcontractor — an executive summary, evidence availability, attention-level signals and review prompts, delivered as a branded, independently verifiable document your credit team reads before its own underwriting.
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Supply Chain Architecture
Three-Tier Supply Chain Topology
AssureLocker synthesises evidence-linked risk signals across all three tiers, before the lender commits funds.
Vajra Motors Ltd (illustrative)
Issues the primary Purchase Order; PO metadata and evidence hash are recorded for verification and duplicate-presentation checks.
SkyTech Connectors
MSME supplier applying for the pre-shipment loan facility.
Apex Metals (illustrative)
Delivers raw materials; subcontract capacity is attested via consented/partner-mediated checks.
New · Multi-PO bundling
Finance a basket, not just a single PO
Bring the MSMEs below the single-large-PO line into your book: for one buyer–supplier relationship, aggregate its purchase orders into a single facility — each PO from ₹5 lakh, the bundle from ₹30 lakh — underwritten as one basket, with the cross-line risks surfaced.
One facility, many POs
A bundle is a basket of PO lines from one buyer–supplier relationship — each line from ₹5L, the bundle from ₹30L (a fixed floor, not a per-deal override). Each line keeps its own evidence and a separate Notice of Assignment — one bad PO never voids the rest.
Cross-line risk, surfaced
Buyer–supplier related-party / collusion (shared directors or parent via the GSTIN→PAN and MCA link), duplicate or double-financed lines and missing-e-way lines are flagged before you commit — plus your full concentration to that one buyer. The patterns a per-PO view misses.
Self-serve, with a live floor meter
Borrowers apply and lenders structure a bundle in a guided composer — a live ₹X / ₹30L meter, anti-gaming (₹5L per-line minimum + line cap) and concentration hints, all validated server-side.
Verification Pipeline
Registry-anchored. Evidence-tiered.
Checks are evidence-tiered across partner APIs, lender-side connectors, registry rails and self-declared uploads — reducing manual paperwork and PDF-tampering risk, with every signal labelled by evidence tier (registry-verified, lender-side, issuer-confirmed, document-signed, self-declared, or missing).
| Verification Area | Source / registry | Party B — Borrower | Party C — Subcontractor |
|---|---|---|---|
| Active trade validation | GSTN · MCA21 | ✓ Status & filings | ✓ Status & filings |
| Director / DIN overlap | MCA21 | ✓ Overlap scanned | — |
| Buyer–seller relationship | GSTN e-Invoice (IRN) | ✓ Invoice history verified | ✓ Invoice history verified |
| Goods movement / dispatch | GSTN E-Way Bill | ✓ Dispatch corroborated | ✓ Dispatch corroborated |
| Authorised-signatory identity | DigiLocker / OVD* | ✓ OVD / liveness KYC* | ✓ OVD / liveness KYC* |
| Headcount & execution capacity | EPFO | ✓ Headcount validated | ✓ Headcount validated |
| Manufacturing / Udyam footprint | Udyam · GSTN | ✓ Footprint verified | ✓ Footprint verified |
| Cashflow corroboration | Account Aggregator¹ | ✓ Consent-based AA | ✓ Consent-based AA |
| Transaction run-rate | ITR · GSTR | ✓ Multi-year run-rate | ✓ Turnovers cross-checked |
*Authorised-signatory identity via permitted OVD, liveness or partner-mediated KYC, subject to lender policy and applicable law. ¹Cashflow is consent-based Account Aggregator (the lender acts as FIU); raw bank data is aggregated and discarded. Duplicate-financing (CERSAI) and government-buyer (GeM / PFMS) signals run per deal where applicable. Some integrations are sandbox, partner-mediated or roadmap-dependent.
Value Delivered
Aligned incentives across the chain.
AssureLocker aligns the incentives of all three parties in the chain — from the bank underwriting the loan to the MSME executing the order to the buyer receiving delivery.
Bank / NBFC
The Lender
Risk surfaced before underwriting
Collusion and fraud indicators are surfaced, and capacity is corroborated from available signals, before underwriting — not after default.
Repayment aligned to delivery
Where the lender has enabled a lender-controlled VAN and repayment-instruction workflow, buyer payment events can support faster reconciliation and repayment tracking.
Non-Repudiable Evidence
Checks are cryptographically recorded in an immutable registry where enabled, for fast dispute resolution and tamper-evident audit trails.
Lower Cost of Credit Ops
Machine-readable, evidence-tiered packs reduce manual due diligence and document interpretation.
MSME / Borrower
Party B
Faster Loan Approval
Reusable credentials reduce repeat document submission. The pilot target is to move assessment preparation from weeks to days.
Win Larger Orders
Lender-operated repayment instructions and capacity evidence give buyers and financiers more confidence to issue higher-value POs to verified MSMEs.
Simplified Re-Use
Credentials verified once are reusable across multiple lenders and financing cycles.
Build a Credit Track Record
Where enabled, settled-transaction milestones can be recorded in an immutable registry to build a tamper-evident repayment and fulfilment history.
Buyer / Anchor
Party A
Delivery-Capacity Signals
Subcontractor capacity is corroborated upfront from available evidence — so the lender can review whether the supply chain can deliver before the PO is financed.
Lender/counsel-defined protections
The pack can reference executed contract clauses, NOA evidence and repayment instructions. AssureLocker does not draft, enforce or adjudicate contractual remedies.
Transparent Supply Chain
See who is producing what at each tier. Supplier substitution without disclosure is flagged within participating workflows.
Preferred Supplier Financing
Your verified MSME suppliers access cheaper, faster credit — making your supply chain more resilient.
How repayment aligns to delivery
Where the lender enables a lender-controlled escrow VAN and the buyer is contractually instructed to pay into it, repayment can be reconciled against the buyer payment event — reducing diversion and manual-reconciliation risk. AssureLocker does not hold funds, operate escrow, or guarantee repayment; the escrow, disbursement and settlement are lender-operated.
Fraud signals
Advanced Collusion Prevention
Related-party fraud is a primary risk in supply chain lending. We surface the loops lenders need to review before disbursement.
A → B Director Match
Checks for overlapping directors or direct relationships between Buyer (A) and Borrower (B) to ensure arm's length transactions.
B → C Co-Location Filter
Compares addresses and coordinates on GSTIN/Udyam certificates. Flags high-risk co-location indicators for lender review where Borrower and Subcontractor share facilities or declared addresses.
Capacity & BOM Ratio Scan
Matches subcontract value against EPFO-declared employee count, GSTN turnover and consent-based AA cashflow to corroborate subcontractor capacity and flag ratios needing lender review.
Duplicate-Financing Check
The authoritative charge search runs lender-side on the lender's own CERSAI access (via AssureConnect) — surfacing if the same PO or invoice is already financed elsewhere, before the lender commits. Complementary to CERSAI and TReDS, never a parallel bureau.
For lenders
Lender-Grade Structural Safeguards
Hardwired controls to protect your principal from diversion or sudden cancellations.
Lender-controlled escrow VAN (lender-operated)
Where the lender enables it, funds route to a dedicated Virtual Account Number (VAN) matching supply invoices, reducing diversion to personal accounts. AssureLocker does not hold funds or operate the escrow.
PO cancellation risk controls
Evidence of buyer acknowledgement, NOA, contractual terms and cancellation flags can be included in the pack. Insurance integration is roadmap / partner-dependent.
Contract-clause evidence
The pack can reference lender/counsel-defined clauses (e.g. liquidated damages under the Indian Contract Act) and NOA evidence. AssureLocker does not draft, enforce or adjudicate remedies.
Pre-Shipment PO Risk Signals Pack
Surface collusion and related-party risk, check subcontractor capacity, and anchor purchase-order hashes on the immutable registry — designed under a strict TSP posture for export-focused NBFCs.
Lender-Side Pre-Shipment Intelligence
Our Risk Signals Pack delivers verified insights across all three tiers of the supply chain (Buyer A, Borrower B, and Subcontractor C) before loan approval. Decoupled from disbursement sizes — a control supporting the strict Technology Service Provider (TSP) posture Right Vectors India operates under.
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