Settle vs Cerebro Capital: Head-to-Head Comparison for eCommerce Founders
Choosing the right eCommerce financing partner is about more than great rates — it's about how each platform supports your growth from first order to full-scale operations. Below, you'll find a side-by-side breakdown of Settle vs Cerebro Capital across the features that matter most: funding speed, cost of capital, deal size, flexibility, and founder-friendly terms. See how Settle delivers more transparency, better economics, and greater control as you scale your brand.
| Settle | Cerebro Capital | MCA/Revenue-Based Financing | Bank Financing | |
|---|---|---|---|---|
| Fast application & decisions | ||||
| Flexible loan amounts from $20k–$15M | ||||
| Affordable rates | ||||
| No escalating APRs and/or prepayment fees | ||||
| No unused facility fees | ||||
| Use as much or as little as you need | ||||
| Ideal for both seasonal and year-round borrowers | ||||
| Transparent repayment schedule | ||||
| No personal guarantees or equity required | ||||
| No complicated monthly reporting | ||||
| Use proceeds for inventory, marketing, and growth | ||||
| Finance your inventory before it lands |
Unlock 300+% growth with eCommerce financing from Settle
We've funded over $3B to thousands of eCommerce and CPG brands, see why founders prefer Settle to fund their growth
We needed to get into more doors fast and then to get more SKUs on more shelves. Settle made it possible.
Derek Halpern
Co-Founder / Co-CEO
Why eCommerce businesses choose Settle financing
Settle provides faster funding than traditional ABLs with simpler terms, no unused facility fees, no borrowing base formulas, and less time wasted for monthly reporting. Settle has financed over $3 billion for thousands of eCommerce brands. Sellers using Settle financing see their DTC and wholesale businesses grow by more than 300% in the first 12 months.
CPG brands choose Settle for the following reasons:
Works for seasonal and year-round cash flows
Draw only what you need and repay early with no penalty
Founder-friendly, transparent rates
Back-office software (AP, POs, inventory) alongside your capital
Get started with the best in eCommerce financing today
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Frequently asked questions
Everything you need to know about Settle vs Cerebro Capital
What makes Settle a better eCommerce financing partner than Cerebro Capital?
The biggest difference is in simplicity and speed. Ecommerce operators can apply in minutes for Settle financing and get approved in hours. ABL application and approvals typically take weeks or months. ABLs also typically require detailed, manual reporting for each draw and monthly to update your borrowing base. Brands like Bare Bones Broth have saved 20+ hours / month switching from an ABL to Settle. Finally, Settle allows eCommerce sellers to finance a broader range of payments than ABLs. ABLs typically only allow financing of inventory purchases and require the brand to have enough inventory or AR on the books to allow for a new draw. Settle allows for financing of inventory, marketing, packaging, or other growth investments and supports PO financing, including initial inventory deposits before the seller has the inventory on their books. Settle gives you transparent pricing and predictable terms, so you can focus on growing your business instead of managing lender requirements.
Does Settle require a personal guarantee?
Unlike many lenders, Settle almost never requires a personal guarantee. That means your business financing stays tied to your company, not your personal assets. Founders also love that Settle offers non-dilutive funding, so you keep 100% ownership and control of your brand as it scales.
How much financing can I access with Settle vs Cerebro Capital?
Settle offers one of the widest funding ranges in the industry — from $20K up to $15M — giving you room to grow without switching providers. That flexibility is ideal for brands scaling wholesale channels or preparing for seasonal spikes. Unlike ABLs that tie your borrowing capacity to complex asset formulas, Settle provides consistent access to capital as you grow, without the administrative overhead.
Are there hidden fees, prepayment penalties, or escalating rates with Settle?
Transparency is core to Settle's model. You'll never face hidden fees, escalating APRs, or prepayment penalties, which are common pain points founders report with other lenders. ABLs in particular typically have unused facility fees and origination fees that increase the effective cost of borrowing. Instead, Settle offers clear terms, predictable costs, and total visibility into your financing — so you can plan with confidence.
Can Settle help me beyond just financing?
Yes. In addition to growth capital, Settle provides embedded financial software to help you manage inventory, purchase orders, invoices, and payments — all in one place. That means you're not just getting funding; you're building a more efficient, scalable back office. Traditional ABLs focus solely on lending, while Settle combines capital + software to power every part of your growth.