For suppliers
Paid early, on a number you can see.
When a buyer sets up an early-payment programme, its suppliers get a portal of their own: join by invitation, submit one KYC pack, and take early settlement on the invoices the buyer has approved — with the exact discount and the exact amount in front of you before you sign.
The supplier portal
How a supplier joins a programme
Four steps, each recorded. A supplier sees no invoices until its KYC is approved and its enrolment is confirmed.
01
Invited, not recruited
The buyer, or the funder’s operator, sends a one-time link that is valid for 24 hours. Registration picks up the supplier’s existing record from the buyer’s invoices, so a company is never created twice. Sign-in is a passkey; there are no passwords.
02
One KYC pack
A company registry extract and a bank statement, with the registered address and the settlement account declared on the page. Ten automatic checks compare the buyer’s name for the supplier, the registry, the statement and the declared account. Nothing is scored; anything that cannot be compared is shown as not compared.
03
Two people decide
Operations recommends, compliance approves. They are different people, and the one who recommended cannot decide, even if their account holds both permissions. A returned pack carries the reason; a rejection carries its reason in the email.
04
Enrolled, then presented
Approval enrols the supplier on the buyer’s programme. Invoices the buyer has already approved for finance are presented to the supplier straight away, and each new one appears as it is approved.
Early settlement
The discount is computed once, then frozen
A supplier takes early settlement on an invoice with a signature — and the figure it signs is the figure it gets.
An illustration
RM 100,000 × 6% p.a. × 60/365
discount RM 986.30
paid out RM 99,013.70
Computed in whole cents with a single rounding, from the day the supplier accepts to the invoice’s due date. The rate and the minimum days to maturity belong to the programme’s agreement; the numbers here show the method, not a price.
Quoted before you sign, and held to it
The portal shows the face value, the discount and the net amount side by side. If the day’s figure has changed since you looked, the acceptance is refused and the fresh figure is shown. You are never charged a number you did not see.
Signed over the exact wording
Acceptance is a passkey signature over the precise text of the offer, which is hashed and kept. An invoice that cannot be taken stays on screen, greyed, with the reason beside it.
Paid through the four-eyes chain
The payment leaves the funder like any other: prepared by one person, approved by another with a fresh authenticator code, to the settlement account approved in the KYC pack. The discount posts as one line on the ledger.
A standing instruction, if you want one
A supplier can sign a standing instruction so that eligible invoices are taken as they become eligible, at that day’s figure. It is switched on and off with a signature, never by default.
At maturity, the buyer pays the funder
The buyer sees which invoices were settled early and pays the funder at maturity into a collection account of its own. The supplier never pays the funder anything, and is never asked to.
For the funder
Running a supplier programme
The Operations Hub carries the tools to invite, review, enrol and look after the suppliers on every programme.
Invite and follow
One queue of every supplier a buyer has named, with its enrolment and KYC state. Invite or re-invite in a click: a new link voids the older ones. The full trail of invitations stays on the supplier’s record.
Review with the evidence beside it
The supplier’s profile sits next to its documents with the ten checks laid out row by row. Return a pack with a reason, recommend it on, or reject it. Documents open and download for the people entitled to review them.
Enrol, suspend, withdraw
Confirm enrolment on a further buyer’s programme, suspend a supplier with a reason, or withdraw it. A withdrawal closes the invoices presented but not yet in flight; one already in flight completes.
Approved buyers and suppliers, kept current
Add or remove a counterparty on a signed facility from the client’s portal or the operator’s desk. A different person confirms it. Removals are marked, never deleted, so an invoice approved against the earlier list still reads it; the signed pack is untouched, with the amended schedule shown beside it.
A fallback that leaves a record
If a supplier cannot use the portal, an operator can record the acceptance with a mandatory evidence note. The amount is never edited: it is the same frozen figure.
Quiet housekeeping
An invoice that passes its due date with no early settlement taken closes automatically as matured and unfinanced, through the same status machine as every other change. Nothing is left open by accident.
Controls
Held in place by tests, like the rest of the platform
A supplier sees only its own
A supplier signs in on its own organisation. Every read is limited to that organisation, and a funder’s or an investor’s login is refused at the door.
One portal per person
Each person is bound to one portal. An account that was never assigned one signs in nowhere, which is the loud failure we want.
224 checks, real infrastructure
The supplier journey, from invitation to settled payment and the ledger entries behind it, is covered by 224 automated end-to-end checks against the real database, real messaging and real bank-format files.
See a supplier programme end to end.
Invitation, KYC review, early settlement and the ledger entry behind it — live, on demonstration data.