Anchor · Pilot Programme · by invitation
Pay suppliers early.
Bank the discount as margin.
Deploy your own surplus cash to pay approved invoices early and capture the discount — a return that typically beats treasury yield and lands straight in EBITDA. Bring in a lender only for the gaps; you keep your terms, we supply the evidence and orchestration.
Three ways to pilot
Start where your risk appetite is — graduate when the evidence earns it
1 · Shadow pilot
Historical data
We replay your past deals or book through the engines — no integration into live flow, zero operational risk. You see exactly what would have been flagged, and when, against what actually happened.
2 · Parallel pilot
Parallel processing
Live deals run through our engines alongside your existing process. Outputs stay outside your workflow — your team compares both tracks side by side and measures coverage, effort and time-to-evidence.
3 · Live pilot
Running live
Signals land in your reviewers' hands on live deals, under an agreed scope and thresholds. Still signals only — every credit decision stays yours; the pilot measures lift where it counts.
Most pilots start shadow (historical), prove the detection story, then step to parallel and live. All three are signals-only — the lender decides, at every stage.
One programme, two-way value
You at the centre of a stronger supply chain.
Margin, not cost
The early-payment discount you capture lands in EBITDA. Deploying idle cash into approved invoices typically returns more than treasury — risk-adjusted, against buyers you already trust.
Your cash first, lender for gaps
Fund early payment from your own surplus and keep the discount. Bring a participating lender in only to cover gaps — you decide how much, and when.
Stronger supply chain + MSME compliance
Suppliers get paid days early — building goodwill and resilience — and you evidence 45-day MSME compliance (Section 43B(h)) along the way.
What you bring
- A cohort of approved suppliers and the invoices you have already accepted
- Surplus cash you're willing to deploy into early payment — and/or appetite to bring a lender for gaps
- A finance/treasury owner and a procurement/AP technical contact for integration
- Your invoice-approval data (ERP / AP feed or GSTN e-invoice) so we can corroborate acceptance
- Your targets — return on cash / EBITDA uplift, DPO, MSME 45-day compliance, supplier-relationship goals
What we bring
- Self-funded dynamic discounting: deploy your own cash to pay approved invoices early and keep the discount — the annualised return typically beats treasury yield
- Hybrid funding: when your cash is committed elsewhere, bring in a participating lender to fund only the gap — their credit decision applies there alone
- A supplier-finance console: approve invoices, set how much cash to deploy, and track discount captured, EBITDA impact and MSME 45-day compliance
- Evidence and risk signals on every early payment — e-invoice / IRN, GST, CERSAI duplicate-finance — as JSON, API or a human-readable PDF
- A low-friction early-payment view for your suppliers: days-early, cost and cash unlocked
Founding Anchor Programme · by invitation
Your platform fee, waived — in exchange for network value.
Founding anchors aren’t free accounts. We waive the platform fee for the founding period because you bring something worth more than cash: supplier access, confirmed trade evidence, and the proof this works. A structured programme — not a giveaway.
What you get
- Platform access fee waived for the founding-anchor period (6–12 months)
- The supplier-resilience console + dynamic-discounting programme, in full
- Hands-on onboarding for your supplier cohort
- Priority input into the roadmap
What you bring · the consideration
- Nominate a finance / procurement sponsor
- Invite a supplier cohort and confirm PO / invoice status for participants
- Join a few short feedback sessions
- Allow anonymised pilot metrics — and, if you're willing, a logo / reference
- Support a lender pilot where it's relevant
The waiver is granted in exchange for participation — supplier cohort, PO/invoice confirmation, feedback and anonymised metrics. The platform fee covers software, onboarding and evidence workflow; it is never linked to any financing, sanction or disbursement.
A phased plan
1 · Scope & sandbox
Agree the supplier cohort, the approved invoices in scope and how much of your own cash to deploy. Run the programme in a deterministic sandbox on fictional data — no integration required to see the output.
2 · Connect (your AP)
Feed approved invoices from your ERP / AP export or GSTN e-invoice. Sandbox keys first; production credentials only when you're ready.
3 · Pilot cohort
Invite a small set of suppliers. They request early payment against the invoices you've approved; you fund from your own cash and keep the discount — a participating lender covers any gap. You keep your commercial terms.
4 · Production-style
Wire the programme to your AP system of record and scale the supplier base under your own controls. Where a lender funds a gap, that lender owns its credit decision — we never do.
Indicative timeline; actual pace depends on the supplier cohort and how your invoice-approval data is fed.
How we’ll know it worked
- Early-payment discount captured drops to EBITDA — a measurable margin gain, not a cost
- Annualised return on deployed cash that typically beats treasury yield
- Suppliers paid days earlier, with MSME 45-day compliance evidence (Section 43B(h))
- A clean, evidence-tier-labelled audit trail of every approval, early payment and lender-funded gap
Throughout the pilot, AssureLocker orchestrates the programme and supplies evidence only. You fund early payment from your own cash and keep your commercial terms; where you choose to bring a lender to cover a gap, that lender owns its credit decision. AssureLocker does not lend, hold or move funds, set advance rates or decide who gets financed.