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.

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.

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

Do you know your real cost of financing?

Don't be fooled by a "low-rate" Merchant Cash Advance (MCA). MCAs charge their fee against the original amount you borrow - every month, making that "low-rate" more expensive than you think.

	Settle (Monthly)Saves you money vs MCAs	Revenue Based Financing (Monthly)	Revenue Based Financing (Monthly)
Amount	$100,000	$100,000	$100,000
Fee	1.4% / mo on outstanding balance	1.0% / mo on full origination amount	1.4% / mo on full origination amount
Effective APR	17.03%	20.57%	29.10%
Total Interest Paid	$4,957	$6,000	$8,400
Repayment Period	6 months	6 months	6 months
Total Payback	$104,957	$106,000	$108,400
No prepayment fees or penalties
Flexible repayment schedule