Supply chain finance stops at tier 1. We take it deeper — funding a single transaction against the invoice behind it, with no funding program to stand up inside anyone's treasury. The ERP data your suppliers already exchange becomes the proof.
Supply chain finance was built for the suppliers an anchor invoices directly. Below that line, the companies doing the most capital-intensive work are financing your production order out of their own pocket — or on a high-street overdraft priced against their own small balance sheet. Nobody upstream can see it until something stops moving.
A funding program lives inside the treasury department: onboarding, legal, credit committee, an operating burden per supplier. That maths works for the top twenty names. It never works for the hundreds of small firms two and three tiers down.
A tier 2 firm buys material and burns machine hours to fill a purchase order that exists only because of the anchor's build plan — then waits 60 to 120 days to be paid, financing the gap at a rate set by its own size, not by the quality of the demand behind it.
You know your tier 1s. You rarely know who feeds them, which of those firms is straining to fund the next order, or where a single stressed machine shop sits on a critical path. A line-down event is discovered, not predicted — and it is priced in millions per day.
The credit quality sits at the top of the chain, the capital need sits at the bottom, and there is no instrument that connects them without building a program in between.
Instead of a program, we assemble evidence. With permissioned access to the documents already moving between ERP systems, we reconstruct the chain behind a single invoice: anchor purchase order to tier 1, tier 1 purchase order to tier 2, goods delivered, invoice raised. That linked record is what a funder bank underwrites — the transaction, not the tier 2's balance sheet alone.
A build plan turns into a purchase order or contract issued to tier 1. Investment-grade credit, documented commitment.
Tier 1 issues its own purchase order to tier 2 for the parts, castings or material it needs to fulfil the anchor's order.
Tier 2 delivers and raises an invoice on tier 1. That invoice traces directly back to tier 1's purchase order — and through it, to anchor demand.
Neither the anchor nor tier 1 contracts a facility, opens a treasury workstream, or takes the obligation onto its books. Participation is data permission, not a credit commitment.
We sit between the parties as an independent layer, corroborating that the invoice, the purchase orders and the delivery describe one real transaction — and flagging when they don't.
In exchange for ERP visibility, the anchor and tier 1 get back what they never had: a mapped deeper supply base with financial-health and criticality signals on the firms inside it.
The same verified transaction record pays off differently depending on where you sit.
Trade data you already exchange for a live map of the tiers beneath tier 1 — with early warning on the firms that could stop your line.
Your tier 2s get financed on the strength of the chain, not on your cash and not on your credit line. You get visibility into who is straining.
Upload the invoice and its supporting documents. If the story checks out, the funder lends against it — on terms your own rating would never buy.
Start with a single anchor programme and its tier 1s — we map what sits beneath, and identify the transactions that are financeable today.