Powerful tools for Consumer Brands

Smart financing that drives your business growth

Flexible funding

Use only what you need, so you don't end up borrowing more money than necessary.

Non-dilutive capital

Settle allows you to purchase what you need without giving away ownership.

Fixed rate financing

Unlike revenue based financing, our rates are fixed so you can retain more of your revenue.

Comprehensive solutions to meet your every need

Transparent terms

No bait-and-switch. Get upfront clarity on available credit and financing terms with a set payment schedule.

Holistic underwriting

Sales revenue doesn't paint a full picture. With AI-powered underwriting, we can look deeper than the balance sheet. So where banks say no, we help more businesses grow.

Flexible repayment

Choose which bills to finance and for how long, or repay early with no penalty.

Finance beyond inventory

We provide financing based on invoice, whether that's for inventory, marketing, or agency services. You control which payments to flex.

Who do we work with?

Settle Working Capital is designed for businesses that meet these key criteria*, ensuring we provide the right support for your growth.

You are a CPG or e-commerce business operating out of the United States
Your business has been operating for at least 1 year
Your business drove over $300k in revenue in the last 12 months

* Additional underwriting criteria will apply

Here’s how it works

1Apply

Sync your financial software with our easy integration and get your credit eligibility in as little as 1–3 business days.

2Finance

Upload a bill, then choose your preferred currency, payment method, and schedule. We’ll pay the vendor on your behalf.

3Repay

Pay us back 30–180** days later with our fixed repayment schedule.

**Actual terms depend on an individual business’s credit eligibility.

4Grow

We’ll regularly assess your credit eligibility to ensure it aligns with your business so you can take your brand to the next level.

Do you know your real APR?

Make sure you compare all the facts of your payment structure. The sample payment plan below compares Settle and revenue-based financing options like MCAs. Schedule a call today to learn more about Settle rates.

	Settle	Revenue Based Financing	Revenue Based Financing (Daily)	Revenue Based Financing (20% Growth)
Amount	$100,000	$100,000	$100,000	$100,000
Effective Fee	$1,400 1.4%	$12,000 12%	$12,000 12%	$12,000 12%
Effective APR	17.28%	44.01%	45.96%	57.26%
Total Interest Paid	$8,400	$12,000	$12,000	$12,000
Repayment Period	6 months 6 months	27 weeks 6.3 months	183 days 6.1 months	18 weeks 4.2 months
Total Payback	$108,400	$112,000	$112,000	$112,000
No prepayment fees or penalties
Flexible repayment schedule

Powering the best in CPG

See how we've helped transform the cash flow needs of businesses like yours.

Settle has been great to work with from our earliest days, when Italic had smaller payment flows, to now, when we have hundreds of vendors and payments every month.

Jeremy Cai

CEO

Honestly, the human touch was what sold me - but the tool is amazing.

Veronica Blue

CEO

Settle is our most valuable financial partner. Settle and its products have allowed our business to continue to grow year over year while sucessfully managing our payables.

Bryan Edwards

Co-Founder

Having used Oracle, NetSuite, and other ERP systems in the past, Settle is perfect for our stage of the company - it has a clean interface and holds everything in one place making it really easy to track POs and pay bills.

Sumish Khadka

COO

The UX is super confusing on many of the other platforms - Settle has them beat.

Kevin Wong

Co-Founder

Settle has helped scale our business by providing a simple and flexible working capital solution allowing us to make significant inventory buys to meet our growth. In addition to this, we like Settle’s user-friendly dashboard, with the ability to link invoices to POs allowing for smooth unit cost tracking.

Julia Gasser

VP of Operations

Settle has cut down my invoice payment time by 75%.

Joey Cofone

CEO

Settle is a lifeline for the CPG world because cash is tight.

Sarah Rioux

Co-Founder

Honestly the easiest platform I’ve used for paying bills in terms of ease of use and intuitiveness.

Achal Patel

Co-Founder & CEO

The new Settle functionality has, for the first time, created this trusted source spanning all supply chain-related functions.

Chris Jacob

CFO

We needed something that was straightforward and BILL wasn't that.

Russ Wallace

Founder

We were able to launch more products because we had access to this capital and we were actually able to do all of this without raising additional capital.