Controlled disbursement accounts

Payables management solutions

Optimize working capital every day

Controlled disbursement helps your business accurately fund payments each day while optimizing the use of available cash. Using a dedicated account structure, you receive early insight into payment obligations, allowing you to make informed funding, investment and borrowing decisions.

Each morning, disbursement totals and your funding requirement are available in iTreasury. With early notification of the exact funding needed to cover that day's disbursements, you can maintain greater control of working capital and liquidity.


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Controlled disbursement account FAQs

Controlled disbursement enables you to:

  • Fund accounts with precision by knowing your daily funding requirement before payments are processed.
  • Support just-in-time funding of your disbursement account to help minimize idle balances.
  • Optimize liquidity by directing excess funds toward investments or paying down outstanding lines of credit.

Typical funding is through a zero balance account (ZBA), with the controlled disbursement account acting as the master account. Funds are transferred automatically from the ZBA to the controlled disbursement account to cover the daily funding requirement.

Self funding, where your business or organization manually initiates a transfer to fund only the specific daily funding requirement, is also an option.

Controlled disbursement may be a good fit for mid-sized or large commercial or corporate clients looking to maximize working capital.

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