What industries does Settle support?
Settle supports CPG sub-verticals including Food & Beverage, Health & Beauty, Baby & Kids, Household Goods, Apparel & Accessories, Supplements & Wellness, Pet Products, and Home & Lifestyle.
Is Settle an established company?
Yes. Founded in 2019, Settle has helped thousands of ecommerce businesses, Shopify and Amazon sellers, and CPG brands scale.
How does Settle make landed cost calculations easy?
By unifying bill pay and procurement. Landed cost tracking starts when you issue a PO, with invoices automatically updating SKU-level landed cost including freight, duties, and shipping.
What sales channels does Settle integrate with?
Settle integrates with Shopify.
Does Settle offer a free plan?
Yes. The free Launch plan includes core inventory features and integrations. Paid plans add dedicated support manager, cash flow forecasting, advanced procurement and custom roles
How is Settle priced?
Launch: Free. Accelerate: $199/month. Elevate: $499/month. All plans include no transaction fees, unlimited users, and no per-order costs.
How does Settle's pricing compare to other systems?
Unlike many finance and back-office platforms that charge per-user, pre-order or per-transaction fees, Settle pricing is flat: no per-user fees, no order-based pricing, and no transaction fees. Get started for free and upgrade as you grow.
Which accounting systems does Settle integrate with?
Settle integrates with QuickBooks Online, Finaloop, and NetSuite.
Does Settle replace my accounting system?
No. Settle complements your accounting system by managing operations data (POs, inventory, bills) and syncing it into QuickBooks, Finaloop, or NetSuite for reporting and compliance.
Can Settle sync inventory directly with Shopify?
We only sync landed costs (optional) to keep you informed about your inventory costs. Your product catalog is pulled from Shopify, so changes in Settle won't overwrite anything in your store.
Does Settle support purchase orders with multiple shipments?
Yes. You can split POs into partial shipments and record costs as goods arrive, while keeping the PO open until fully received.
Can Settle handle volume-based pricing from vendors?
Yes. Settle supports tiered vendor pricing for accurate landed cost calculations and ease of purchase planning.
How does Settle help ecommerce founders and CFOs save time?
Settle reduces manual work across procurement and AP by automating PO-bill matching, approval workflows, W-9/W-8 collection, PO creation, volume-based vendor costs, and bill itemization. Founders and CFOs save 10+ hours every week and gain clearer margin visibility.
Can Settle also help finance my inventory purchases?
Yes. Settle offers embedded working capital financing for large POs, seasonal inventory, and supplier payment terms without equity dilution.

You started it. Now let's scale it.

Our solutions grow with your business, offering purpose-built tools that give you control and flexibility across procurement, vendor payments, and finance operations. Plus, qualified brands can access transparent, non-dilutive financing to pay suppliers upfront and keep production moving.

Hero Graphic
CeremoniaCabinetBranchPat McGrathRhodeItalicArraeDeuxHigherDoseGrunsMadhappyStarfaceBubble SkincareKnowlitaLaloJiantGhiaBirddogs
CeremoniaCabinetBranchPat McGrathRhodeItalicArraeDeuxHigherDoseGrunsMadhappyStarfaceBubble SkincareKnowlitaLaloJiantGhiaBirddogs
CeremoniaCabinetBranchPat McGrathRhodeItalicArraeDeuxHigherDoseGrunsMadhappyStarfaceBubble SkincareKnowlitaLaloJiantGhiaBirddogs
CeremoniaCabinetBranchPat McGrathRhodeItalicArraeDeuxHigherDoseGrunsMadhappyStarfaceBubble SkincareKnowlitaLaloJiantGhiaBirddogs
CeremoniaCabinetBranchPat McGrathRhodeItalicArraeDeuxHigherDoseGrunsMadhappyStarfaceBubble SkincareKnowlitaLaloJiantGhiaBirddogs

Grow on your terms

Up to $20 million of funding without giving up your equity
Up to $20 million of funding without giving up your equity
End-to-end supply chain visibility from raw material to customer door
End-to-end supply chain visibility from raw material to customer door
Save precious time with automated workflows from purchasing to payments
Save precious time with automated workflows from purchasing to payments
Get clear, flexible cash-outflow and AP aging visibility
Get clear, flexible cash-outflow and AP aging visibility

Drive smarter decisions with accurate landed costs

Get better margin visibility with instant, accurate landed costs. Confidently set prices, raise funds, and optimize your supply chain - positioning your brand for success.
  • Add additional expenses to your purchase order or work order to get accurate SKU-level landed costs calculated for you
  • Monitor landed costs trends by SKU to analyze your brand’s cost efficiency over time
  • Get monthly inventory valuations - no more manual adjustments or constant reevaluations
Drive smarter decisions with accurate landed costs

Order, track, and pay vendors without the hassle

Manage your purchasing and payments in one place with a simple, organized workflow. Settle syncs with your accounting software to keep your books accurate and up to date.
  • Create purchase orders quickly with items from your catalog to reduce manual entry and mistakes.
  • Verify you received exactly what you ordered before approving payment.
  • Pay vendors by ACH, wire in USD or foreign currencies, or check. Use Settle Working Capital* when you need added flexibility.
  • Prepay inventory directly from a PO and match that payment to the vendor bill when it arrives to keep everything fully reconciled.
*For qualified businesses and subject to approval
Order, track, and pay vendors without the hassle

Tap into founder-friendly financing

Access transparent credit terms, flexible repayments, and non-dilutive Settle Working Capital for scalable growth. Our AI-powered underwriting offers credit that grows with your brand.*
  • Gain upfront clarity on available credit and financing terms with a set repayment schedule
  • Keep more of your sales and pay interest only on funds you use with no daily remittances
  • Choose which bills to finance and for how long, or repay early with no penalty
*For qualified businesses and subject to approval
Tap into founder-friendly financing
Discover plans that scale with your brand.
Explore pricing options

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

Gross margin is calculated as revenue minus landed cost divided by total revenue.
Typical eCommerce gross margin is 20%.
*This is not an application for credit. This information is based solely on data you have provided and is only to be used for discussion and illustrative purposes and is not a formal offer or promise to provide credit to you. In order to request credit, you must submit an application.

Powering the best in CPG

See how Settle has transformed the financial workflows of brands like yours.

Italic

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

Jeremy Cai

CEO

Phenomenal Foods

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

Veronica Blue

Veronica Blue

CEO

The Good Food CFO

Our clients no longer have to think about paying their bills. The approval processes make it super simple for our team to determine which bills will be paid each week, and our clients can process payments in a single click directly from their inbox. The time savings is huge!

Sarah Delevan

Sarah Delevan

Founder

Decimal

Settle is incredibly user-friendly making it easy to learn and build processes around. It allows Decimal to go in and queue up bills for clients to simply review & pay. Our team can confirm details, map to Quickbooks, and the client can just focus on payment. It helps the client stay out of the weeds and able to truly see what is owed and needs to be paid.

Matt Tait

Matt Tait

CEO

Snif

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

Bryan Edwards

Co-Founder

HigherDOSE

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

Sumish Khadka

COO

Scharf Consulting

Settle provides a seamless and easy transition for an ecommerce business from spreadsheets to an inventory management system for purchase orders, cost management, and inventory quantities. To feed into accurate financials.

Scott Scharf

Scott Scharf

Consultant

Lunar

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

Kevin Wong

Kevin Wong

Co-Founder

Soft Services

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

Julia Gasser

VP of Operations

Baronfig

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

Joey Cofone

Joey Cofone

CEO

Fable

Traditional financing simply couldn't move fast enough. Without Settle, managing our explosive growth would have been impossible.

Joe Parenteau

Joe Parenteau

CEO

Ladybird Provisions

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

Sarah Rioux

Sarah Rioux

Co-Founder

Truvani

We needed to get into more doors fast and then to get more SKUs on more shelves. Settle made it possible.

Derek Halpern

Derek Halpern

Co-Founder / Co-CEO

Cabinet Health

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

Achal Patel

Achal Patel

Co-Founder & CEO

HigherDOSE

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

Chris Jacob

Chris Jacob

CFO

Free to Grow CFO

Settle has been a huge help in streamlining our client's A/P bill pay workflow. It saves time and brings transparency and internal controls to the A/P process. Additionally Settle's capital products have helped several of our clients get the capital they need to buy sufficient inventory and invest in ad spend to drive towards their scaling goals.

Jon Blair

Jon Blair

Founder & CFO

Freestyle World

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

Russ Wallace

Russ Wallace

Founder

Arrae

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

Nish Samantray

Co-Founder

Carnivore Snax

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

Mark Ritz

Co-Founder

Branch

It changed my process entirely. I don't look at the spreadsheet at all anymore - it all exists within Settle now.

Cathryn Stenning

Cathryn Stenning

Senior AP/AR Specialist

Put our network to work

Our ecosystem of trusted partners can support every part of your brand’s cash-flow stack.

Accounting & Finance

Don't have a CPA? We've got you covered. Our accounting and fractional CFO partners specialize in working with brands like yours.

Learn more
Accounting product screenshot

Insights in your inbox

Join our newsletter and never miss an update on Settle's latest features and industry trends.