Paying suppliers early — your cash, your terms, your return
You run treasury or procurement at a corporate anchor. The MSME suppliers who keep your line running wait out long payment cycles and borrow expensively in the meantime, while your own cash sits earning treasury rates — and Section 43B(h) has made payment timing to Micro and Small suppliers a tax question, not just a relationship one. AssureDynamicPay turns that gap into a programme: you pay approved invoices early from your own funds, on a discount curve you set, and keep the discount.
What an early-payment programme gives you
Structured as early settlement of your own approved payables — not third-party lending. For how the 45-day rule works, see the Section 43B(h) explainer.
A return on cash you'd pay anyway
Early settlement of your own approved payable at a sliding-scale discount — the earlier the pay date, the bigger the discount. The yield is yours, and there is no lending involved on either side.
Suppliers choose, never owe
Each supplier sees the discount curve and picks the pay date that suits them — or lets the invoice run to its due date. It's their own receivable paid sooner, not borrowing.
Section 43B(h) context
Deductions for amounts payable to Micro and Small suppliers turn on paying within 15 days — or 45 with a written agreement. A programme that pays approved invoices early keeps that timing visible and deliberate; how the rule treats any given invoice stays with your own finance and tax teams.
Your bank moves the money
AssureLocker records the offer, the acceptance and the settlement evidence — it never lends, holds funds, or touches the payment itself.
A flat fee, decoupled from your savings
The programme runs on a flat subscription — never a cut of the discount. What you capture, you keep.
Runs off your ERP
Bulk-push approved payables in; pull reconciliation feeds and importable CSVs back out; a status webhook fires on every change. It runs off your ERP, not instead of it.
How a programme runs
Set your terms
Activate the programme at the rate you're comfortable offering and invite suppliers with a tokenised link — they onboard once and see every offer in one place.
Approve payables
Push approved invoices from your ERP or add them directly. Each one becomes an early-payment offer on the sliding scale.
Suppliers pick a date
The curve shows the discount for every possible pay date. One click to accept — or no click at all, and the invoice simply runs to maturity.
Settle and see the return
You pay from your own account on the agreed date. The dashboard shows yield captured, annualised return, uptake and cash deployed — with an evidence trail your auditors can rely on.
Put idle cash to work in your own supply chain
Explore the programme and run your own numbers, then see it against your payables profile.
AssureLocker is a technology service provider: it records, reconciles and evidences the programme. It does not lend, hold or move funds, or decide payment terms — early payments are made from the anchor’s own funds by the anchor’s own bank. Section 43B(h) is described here as context only, not tax advice; the treatment of any given invoice is a matter for the anchor’s own finance and tax teams.