Pay suppliers early —with a lender’s balance sheet, not yours.
Reverse factoring lets your suppliers get paid early on yourcredit strength. A participating lender funds it; you settle at the original due date — preserving working capital. Where you’d rather deploy your own cash, blend in dynamic discounting. One programme, either way.
Your cash, a lender’s, or a blend of both.
Dynamic discounting
Fund early payment from your own surplus cash and keep the discount as yield — a return that typically beats treasury.
Reverse factoring
A lender funds the early payment on your credit strength; you preserve working capital and settle at the due date.
Co-funding (blend)
Use your cash first; bring a lender in only to fund the gaps — you decide how much, and when. The lender’s credit decision applies to its portion alone.
Four steps, your terms throughout.
Request a facility
A participating lender reviews your programme and offers a sanctioned limit — a revolving line your suppliers can draw against.
Approve supplier invoices
Push the invoices you've already approved (ERP / AP export or GSTN e-invoice). We corroborate acceptance and surface the risk signals.
Suppliers get paid early
The lender advances against your approved invoices on your credit strength — your suppliers choose when to draw, at a rate better than their own.
You settle at the due date
You repay the lender on the original terms. Repayment is ring-fenced to a virtual account so it can only settle the financing lender.
Resilience for your suppliers, compliance for you.
A stronger, more loyal supply chain
Suppliers unlock working capital on your rating — building resilience and goodwill across the network you depend on.
MSME 45-day compliance, evidenced
Early payment helps you meet the MSME 45-day rule (Section 43B(h)) — with a clean, evidence-tier-labelled audit trail.
A lender's balance sheet, not yours
Reverse factoring preserves your working capital and DPO — the lender funds the early payment, you pay at the original due date.
Neutral evidence on every invoice
E-invoice / IRN, GST and duplicate-financing checks on each drawdown — so the funding lender sees clean, corroborated evidence.
AssureLocker supplies the evidence, orchestration and a flat-fee programme — never a cut of your savings. Where a lender funds a gap, that lender owns its credit decision; we do not lend, score credit or hold funds. Legal, tax and accounting treatment of early settlement vs. financing stays anchor- and counsel-owned.
Bring one programme to your suppliers.
See it on your own deal shape — your cash, a lender’s, or a blend.