2025 Performance,
2026 Strategy:

The Ecommerce Cash Conversion Settle Benchmark Report

Tariffs, supply-chain volatility, and the rise of wholesale reshaped how ecommerce and CPG brands managed cash in 2025. In 2026, resilient companies will pull ahead.

We surveyed 1,500+ ecommerce and consumer brands to uncover how cash moves through their businesses and deliver the benchmarks needed to navigate the year ahead. The result is a data-backed view of today's cash-conversion trends, plus practical steps to protect liquidity and keep growth moving.

See where you stand and how top operators manage cash more efficiently.

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What you'll learn in this report

Discover how leading ecommerce and CPG brands are adapting to new cash flow realities in 2025.

See how tariffs, supply chain volatility, and wholesale expansion are reshaping the cash conversion cycle, and learn how disciplined operators are protecting liquidity and sustaining growth in a tougher environment.

Understanding how tariffs and supply chain shifts are extending the cash conversion cycle across ecommerce and CPG
Benchmarking your performance with real data from 1,500+ brands by vertical, revenue, and company size
Identifying the biggest drivers of cash tie-ups — inventory, receivables, and payables — and how to manage each more effectively
Applying proven strategies to shorten your cycle, free up working capital, and fund growth heading into 2026 and beyond

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The Settle advantage

Control spend, pay vendors, and access working capital — all in one place.

Accounts Payable

Collect bills, route approvals, and pay vendors — with real-time visibility into what you owe and when.

Accounts Payable

Procurement

Create and manage purchase orders, track goods received, and see your true landed costs before you pay.

Procurement

Working Capital

Pay vendors on time while preserving cash, using financing based on your real payables and purchasing data.

Working Capital

With built-in capabilities like:

True landed costs

Auto-match invoices to POs and receipts

Approval workflows

Cash visibility and forecasting

True landed costs

Automatically calculate product costs by combining materials, freight, and packaging — without manual spreadsheets.

True landed costs

Auto-match invoices to POs and receipts

Catch discrepancies between POs, bills, and receipts before money leaves your account.

Auto-match invoices to POs and receipts

Approval workflows

Add approval layers for bills, payments, and POs — for better spend control.

Approval workflows

Cash visibility and forecasting

Understand upcoming payments and cash needs using real AP and procurement data.

Cash visibility and forecasting

Start scaling
your brand's growth.