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- 📋 Table of Contents
The MSME Credit Landscape & Supply Chain Context
• The MSME Landscape in India
• How supply chain structures shape credit + payment cycles
• Anchor-led ecosystems: suppliers, distributors & retailers
• Emerging shift from traditional SCF to embedded, workflow-led credit & payments
Embedded Supply Chain Finance: The New Credit & payments Rail
• What differentiates ESCF from bank-led SCF & TReDS
• Why embedding credit and payments into workflows drives adoption
• ERP, transaction, and payment events as underwriting signals
• Impact on lenders, corporates, and MSMEs
Anchor Ecosystems & Multi-Tier Credit Potential
• Anchor influence on MSME behaviour & creditworthiness
• Mapping Tier 1 → Tier 2 → Tier 3 financing & payment gaps
• Sector-wise opportunity sizing (FMCG, Auto, Manufacturing, Industrials)
• Deep-tier financing readiness & constraints
Product Archetypes for Embedded MSME Credit
• Supplier finance (across tiers)
• Distributor / dealer credit & sales-linked lending
• Retailer financing & order-triggered credit
• Secured working capital for MSMEs
• Connected banking + embedded payment automation as credit enablers
Enabling Infrastructure: Risk, Compliance & Technology
• Transaction-linked underwriting & risk models
• Compliance expectations (data governance, reporting, KYC/KYB)
• Multi-lender orchestration models
• ERP integrations & API rails powering ESCF
Strategic Insights & The Road Ahead
• Key success levers for ESCF scale-up
• How corporates, banks & platforms collaborate
• Deep-tier expansion strategies
• Arteria’s role in building India’s credit + payment supply chain backbone