550%
Average 1-year supported revenue growth*
Pay vendors,
finance inventory,
manage purchasing.
From purchase order to payment, with working capital that doesn't take equity. Over $4B in funding provided to brands since 2019.
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The back office built for growing brands
Control spend, pay vendors, and access working capital — all in one place.
Accounts Payable
Collect bills, route approvals, and pay vendors — with real-time visibility into what you owe and when.
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Procurement
Create and manage purchase orders, track goods received, and see your true landed costs before you pay.
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Working Capital
Pay vendors on time while preserving cash, using financing based on your real payables and purchasing data.
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With built-in capabilities like:
True landed costs
Auto-match invoices to POs and receipts
Approval workflows
Cash visibility and forecasting
True landed costs
Automatically calculate product costs by combining materials, freight, and packaging — without manual spreadsheets.
Auto-match invoices to POs and receipts
Catch discrepancies between POs, bills, and receipts before money leaves your account.
Approval workflows
Add approval layers for bills, payments, and POs — for better spend control.
Cash visibility and forecasting
Understand upcoming payments and cash needs using real AP and procurement data.
Let the results speak for themselves.
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
I saw Settle as something that as a founder could make my life easier and it was a pretty easy decision for us
Greg Davidson, CEO & Co-Founder
Settle offers a unique solution that goes from the beginning to the end of paying for it, ordering it, billing it, recording it, landing it, and then also accurately tracking product cost
Brittany Brown, CEO
We're ordering dozens of ingredients all the time. Our team can forward bills to Settle and it integrates with our accounting system
Daniel Rainey, Founder
Teaming up with Settle allowed us to not only scale but decrease our COGS by over 60%
Jason Goode, CEO
When we need to pay something on a timely basis, Settle has been instrumental in our growth and building our company
Laura Mandelbaum, Founder & Designer
From day 1 with Settle to now, we've really scaled from a handful of SKUs to now managing 1000s of SKUs
Suze Dowling, Co-Founder & Chief Business Officer
Settle by the numbers
$8B
Total payments processed
$4B+
Funding provided to brands since 2019
Less Busywork. More Breakthroughs.
We handle your back office so you can focus on growing your brand, not just running it.
The old way
Time wasted on repetitive, manual tasks across procurement and payments.
Lack of visibility into landed costs leading to poor pricing and missed margin opportunities.
Dozens of spreadsheets tracking vendors with errors and discrepancies between POs, bills, and payments.
Struggles with cash flow, making it difficult to fund growth or prepare for seasonal demand.
The Settle way
Streamline procurement, payments, and tracking so you can focus on scaling, not admin.
Get transparent landed cost insights to make smarter pricing decisions.
Automatically match POs, invoices, and receipts to catch errors before they cost you.
Access flexible, transparent funding for inventory and growth initiatives.
All the integrations you need seamlessly connecting your tools in one unified platform.
Customer Stories
It changed my process entirely. I don't look at the spreadsheet at all anymore - it all exists within Settle now.
150+hours a year saved
302-way matches a week
600SKUs maintained
Cathryn Stenning
Senior AP/AR Specialist at Branch
Take an interactive product tour.
Request a live demoDedicated support from real humans — not AI.
At Settle, dedicated support comes standard and at no extra cost. No delays, just seamless setup and a team that’s got your back (office).
Schedule my DemoSolutions for every stage
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Get startedFrequently asked questions
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. All plans include no transaction fees, unlimited seats, 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.
Latest news & insights.
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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 2026.
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