Working Capital Financing for CPG Brands | Settle - Non-Dilutive Inventory Funding

See why thousands of eCommerce founders fund their growth with Settle

We've funded over $3B to thousands of eCommerce businesses. Brands who fund their growth with Settle grow faster - 300+%^* faster

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

Derek Halpern

Co-Founder / Co-CEO at Truvani

Read case study

4,000Stores added with Settle financing

4Years as a Settle customer

^*12 month after taking their first Settle loan, the average Settle borrower has grown topline revenue more than 300%

The capital you need to grow, fast, affordable and without the hassle

Get funded fast, use the proceeds on what you need to grow - inventory, marketing, paid ads, packaging, trade spend - we've got you covered.

Fast funding

Most founders get funds in a few days

Get the amount you need

Approvals from $20k to $15m

Flexible repayment

Choose terms from 30-210 days - with no percent of sales nonsense

Founder friendly

We don't ask for equity or ownership

See why Settle is the best financing option for ecommerce founders

eCommerce and CPG founders know that Settle is the best financing solution because we get them the cash they need quickly, with affordable rates, flexible repayment schedules and no need to give up equity or ownership. See why thousands of founders choose Settle over revenue based, bank or ABL financing.

Comparison of Settle vs Other MCAs and other financing options across key features
	Settle	Other MCAs	ABL	Bank Financing
Fast application & decisions
Flexible loan amounts from $20k–$15M
Affordable rates
No escalating APRs and/or prepayment fees
No unused facility fees
Use as much or as little as you need
Ideal for both seasonal and year-round borrowers
Transparent repayment schedule
No personal guarantees or equity required
No complicated monthly reporting
Use proceeds for inventory, marketing, and growth
Finance your inventory before it lands

See how much you could qualify for

Get a funding estimate now^*

We fund amounts from $20k to $15m - here's a quick estimate, we'll give you detailed options after we review your application.

Revenue

Typically the annual business revenue must be above $300,000

Gross margin

Gross margin is calculated as revenue minus cost of goods sold 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.

Talk to our ecommerce financing experts

If you have questions, we have answers - book time with an ecommerce financing expert to learn how Settle financing fits with your business

Frequently asked questions

How is Settle different than revenue-based financing or MCAs?

Revenue-based financing (sometimes called Merchant Cash Advances or MCAs) providers like Wayflyer, Shopify Capital, Kickfurther and others give you cash up front for a flat fee — repayment is often set as a percent of your daily, weekly, or biweekly sales.

Settle gets you the same fast funding as MCAs, scales with your brand further than most MCA providers, and charges simple interest with a biweekly or monthly repayment schedule you can plan around.

Be careful with sneaky MCA fees — they can become expensive quickly. For example, with Settle's simple interest, a 1.4% monthly rate equates to a 17.03% APR. A 6-month MCA at the same 1.4% monthly rate (applied to the full originated balance) works out to a 34% APR.

How fast can I get funded through Settle?

Most ecommerce brands are approved and funded within a few days — often in less than 48 hours. The application takes just a few minutes, and there's no lengthy paperwork or personal guarantees. Once approved, funds can be sent directly to your vendors or your business bank account.

What types of ecommerce brands does Settle fund?

Settle supports consumer brands that hold inventory, including food & beverage, beauty, wellness, apparel, home goods, supplements, and pet care.

Whether you sell on Shopify, Amazon, Faire, or direct-to-retail, Settle offers flexible working capital and purchase order financing designed for how ecommerce actually operates.

How much financing can my brand qualify for?

Settle offers financing from $20K up to $15M, depending on your sales volume, growth trajectory, and repayment history.

You can start small and scale your financing as your business grows — no need to reapply or renegotiate each time you need capital.

Does Settle take equity or require a personal guarantee?

No. Settle provides non-dilutive financing, which means you keep full ownership of your business. We don't take equity or require personal guarantees.

Our goal is to help you grow profitably, not take a stake in your company.

How does Settle's simple interest model work?

Settle charges a clear, simple interest rate — meaning you only pay interest on your outstanding balance. Unlike MCAs or flat-fee financing, your cost of capital goes down as you repay.

This makes it easier to compare rates apples-to-apples and manage your true cost of financing over time.

Latest news & insights

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

The 14 Best Working Capital Solutions for eCommerce Businesses in 2025

Running an eCommerce brand today is capital-intensive and fast-moving. The right working capital solution doesn’t just fund your next purchase order — it keeps cash flowing, marketing running, and growth on track without giving up equity. In this guide, we break down the 14 best working capital solutions for eCommerce businesses in 2025.

Apply in minutes. No paperwork.

Get the cash you need to grow - fast, simple and built for ecommerce founders.

$1M

Apparel & Footwear

$500K

Beauty & Personal Care

$2.6M

Apparel & Footwear

$2M

Health & Wellness

$400K

Food & Beverage

$12.5M

Home & Kitchen

$5M

Beauty & Personal Care

$750K

Pet Products

$650K

Home & Kitchen

$1M

Health & Wellness

$350K

Beauty & Personal Care

$1M

Beauty & Personal Care

$2.75M

Pet Products

$500K

Bags & Accessories

$1.4M

Furniture

$1M

Apparel & Footwear

$500K

Beauty & Personal Care

$2.6M

Apparel & Footwear

$2M

Health & Wellness

$400K

Food & Beverage

$12.5M

Home & Kitchen

$5M

Beauty & Personal Care

$750K

Pet Products

$650K

Home & Kitchen

$1M

Health & Wellness

$350K

Beauty & Personal Care

$1M

Beauty & Personal Care

$2.75M

Pet Products

$500K

Bags & Accessories

$1.4M

Furniture

$1M

Apparel & Footwear

$500K

Beauty & Personal Care

$2.6M

Apparel & Footwear

$2M

Health & Wellness

$400K

Food & Beverage

$12.5M

Home & Kitchen

$5M

Beauty & Personal Care

$750K

Pet Products

$650K

Home & Kitchen

Get a funding estimate now^*