Honestly, the human touch was what sold me - but the tool is amazing.
Veronica Blue
CEO
Do you know your true 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 and Wayflyer. 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 |
Settle vs Wayflyer: A Feature Comparison
| Settle Working Capital | Wayflyer | |
|---|---|---|
| Loan | ||
| Loan Type | Closed-end loan | Line of credit |
| Availability | ||
| Funds available for immediate use | ||
| Supports both DTC and B2B distribution | (Primarily supports D2C) | |
| Payment Flows | ||
| Frequency of advance | Use as needed | Funds required to be drawn at once |
| Invoices available for financing with instant approval | ||
| Direct payments to your vendors | ||
| Fixed, predictable repayment schedule | ||
| Pricing & Structure | ||
| Fixed term interest | ||
Settle now, pay later
We pay your vendor upfront. You pay us back later with terms tailored to your business – see how we're different than Wayflyer.
Here's what you get with Settle Working Capital
Non-dilutive capital
More purchasing power
Transparent Terms
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.
*Actual terms depend on an individual business’s credit eligibility
See your Settle financing power*
Curious how you can scale your brand on your terms with non-dilutive, transparent working capital? Discover your eligibility estimate with our simple calculator.
Revenue
Typically the annual business revenue must be above $300,000
Gross margin
Typical eCommerce gross margin is 20%.
Ready? Let's grow.
Strategically scale with Settle's transparent, flexible financing
Get started for freeFueling the best in CPG
See how we 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
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.
Nish Samantray
Co-Founder
If you make your supply chain work quickly and pair it with something like Settle, you’ll be surprised at how fast you grow.
Mark Ritz
Co-Founder
It changed my process entirely. I don't look at the spreadsheet at all anymore - it all exists within Settle now.
Cathryn Stenning
Senior AP/AR Specialist