The OEM’s order is in hand. Here’s how the build gets funded.
You’re a Tier-1 auto-component supplier with a purchase order from an OEM, a machining subcontract placed with a Tier-2 unit, and a build to fund before the anchor pays. Lenders don’t walk away because your business is weak — they walk away because verifying all three tiers is slow and expensive. A source-verified evidence pack changes what they can see.
Cluster intelligence · FY24
$21.3 Bn
India auto-component exports
~1,500 Tier-1
ACMA members + 10,000+ Tier-2 / Tier-3 units
Jul – Dec
OEM model-year production ramp
₹50L – ₹5Cr
Tier-1 pre-shipment ticket range
Top export buyer markets:
USA~30%Germany~10%UK~6%Source: ACMA Annual Report FY24 · EEPC. Figures are sector-level context from public export-promotion council reports — not AssureLocker data. For indicative context only; deal volumes vary by borrower and lender.
Who gets checked — and what the lender looks at
Registration status, name match against the PO, and whether an established trade relationship with you exists — an anchor you've supplied before reads very differently from a first order
Verified identity, GST filing trail, bank-cashflow (with your consent, via the lender's own access), and that nobody else already holds a charge on the same receivables
Whether the unit realistically has the workforce and turnover to deliver your subcontract on time, GST corroboration, and that it isn't related to you or the anchor on paper
What trips good deals up in a supply chain
These are the patterns every lender screens for in supply-chain lending. If your deal is clean, having the evidence ready is what makes that obvious — instead of leaving the lender to assume the worst.
- The same receivable assigned to more than one financier — lenders screen for this before disbursal, and a clean record works in your favour.
- A Tier-2 “subcontractor” that shares directors or an address with the borrower — related-party inflation makes every lender look twice.
- A sub-assembly unit without the workforce or turnover to deliver the volume it has been given.
- A PO leg with no GST or e-invoice trade history between the tiers to support it.
Schemes & evidence in auto-components
Most auto-componentsMSMEs aren’t rejected because the business is weak — they’re bounced on fixable, technical gaps. The programmes below de-risk this lending, and each one (and the lender behind it) looks for specific evidence. Our pack assembles that evidence — source-verified and tier-labelled — so a creditworthy deal reads clearly. Signals, not decisions — the lender decides.
Programmes that de-risk it
- CGTMSE — collateral-free guarantee for the tier-2/3 long tail
- TReDS — on-exchange discounting of accepted OEM/Tier-1 invoices
Evidence our pack assembles
- ✓ OEM / Tier-1 anchor PO (buyer-confirmed)
- ✓ Supply-chain tier mapping (who supplies whom)
- ✓ Capacity & turnover consistency for the order
- + GSTIN status + filing regularity
- + e-invoice (IRN) & e-way consistency
- + Buyer PO / acceptance
- + Prior-charge / double-financing signal (lender-run on CERSAI)
- + Account Aggregator cash-flow (lender-side)
Scheme names are referenced for context only — see the avoidable rejections that bounce good MSMEs. AssureLocker is not affiliated with, integrated into, or endorsed by any government scheme; eligibility and approval rest with the lender and the scheme.
Your business, your data, your say
Verified once, reused
Your DigiKYB business identity is verified at the source (GSTN, MCA, Udyam) once — then reused across participating lenders with your consent, instead of a fresh document pile every time.
Consent on every share
Nothing moves without your explicit consent. Bank-cashflow checks run under the lender's own regulated access, and you see what was shared.
Signals, not verdicts
The pack presents evidence and signals; it is not a credit score and not a guarantee. Every lending decision stays with the lender.
Get your next component order financed
Build your reusable DigiKYB business identity once, see what a lender sees on your OEM order, and start the next financing conversation with the evidence already assembled.
Evidence and signals for the lender’s decision only — not a credit score, and not a guarantee of financing. Registry and bank-cashflow checks run under the lender’s own access and your consent. Illustrative example.