Turn idle payables into yield —and your suppliers into loyal ones.
Pay approved suppliers early from your own cash and capture the discount — a return on money you’d pay out anyway. Early settlement of your own approved payable, not third-party lending — AssureLocker runs the programme on a flat fee; your bank moves the money.
Idle cash on one side, starved suppliers on the other.
Your cash sits earning little while your suppliers — the ones who keep your line running — are often starved of working capital and turning to expensive credit. Early-payment programmes fix both, but running one yourself means spreadsheets, manual reconciliation and chasing suppliers.
Three steps, fewer spreadsheets
Approve a payable
Pick an approved invoice (or bulk-push a batch from your ERP) and offer it for early payment at the APR you set.
Your supplier chooses
The supplier sees the offer and picks a pay date on a sliding scale — the earlier they take it, the bigger the discount. No obligation.
You pay early, keep the discount
You settle from your own funds on the agreed date and keep the discount as yield. AssureLocker records the instruction, consent and evidence trail; where enabled, hashes are anchored for provenance. Your bank moves the money.
A return, not a risk
A return on cash you'd pay anyway
You're settling your own approved payable early at a discount — structured as early settlement, not third-party lending. Legal, tax and accounting treatment remains anchor- and counsel-owned.
Suppliers get liquidity, on their terms
Your suppliers unlock working capital when they choose it — strengthening the supply chain you depend on.
A verified, monitored supplier network
Onboard suppliers with a tokenised invite; see participation, yield and exceptions on one dashboard.
Flat fee, decoupled from your savings
AssureLocker charges a flat subscription — never a cut of your discount. The yield is yours.
Excel does the maths. It can’t do this.
A spreadsheet computes a discount curve. It can’t run the network, plug into your ERP, or give your auditors a record they can trust.
All your buyers, one workspace
Suppliers onboard once and see every anchor that offers them early payment in a single portal — with a per-buyer rollup of what’s available now.
Runs off your ERP
Bulk-push payables in; pull a reconciliation feed (JSON) or a Tally/SAP/Oracle-importable CSV; a signed status webhook fires on every change. It runs off your ERP, not instead of it.
One-click approve
Suppliers approve straight from the notification — one click at today’s rate, or pick a later date. No login maze, no chasing.
Audit-grade, tamper-evident
Every instruction, acceptance and settlement is recorded in an immutable registry — an independently-verifiable record your auditors and any funding partner can rely on.
Keep suppliers paid even when cash is tight
When your own cash dips, an approved payable can route to your pre-bound NBFC line (reverse factoring) so the supplier is still paid early — then you repay the NBFC at the due date. A spreadsheet can’t originate third-party financing. Built; activates per buyer–NBFC arrangement. AssureLocker stays signals & rails — the NBFC lends; your bank moves the money.
Your programme return in one screen
Yield captured, cash deployed early, effective annualised return, supplier participation and an evidence-anchored audit trail — plus self-serve-style setup and an ERP push API where enabled.
AssureLocker is a Technology Service Provider. We record, reconcile and anchor the early-payment instruction and the resulting evidence — we do not lend, hold or move funds, or deal in securities. Early payments are made from the anchor’s own funds by the anchor’s own bank.
Explore the anchor programme
Run the numbers, see the pilot checklist, and how supplier finance fits — then talk to us.