Boost your cash flow and grow your business with Settle Working Capital.* Flexible financing to get more strategic with your spending—and the peace of mind that comes with honest financing.
*For qualified businesses and subject to approval
We pay your vendor upfront. You pay us back later with terms tailored to your business.
Compare Settle to Merchant Cash Advances
| 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 |
Sync your financial software with our easy integration and get your credit eligibility in as little as 1–3 business days.
Upload a bill, then choose your preferred currency, payment method, and schedule. We’ll pay the vendor on your behalf.
Pay us back 30–180* days later with our fixed repayment schedule.
We’ll regularly assess your credit eligibility to ensure it aligns with your business so you can take your brand to the next level.
Strategically scale with Settle's transparent, flexible financing
Get started for freeSee how we helped transform the cash flow needs of businesses like yours.
Rising tariffs are disrupting supply chains, forcing CPG brands to rethink production and financing strategies. Learn how reshoring, supplier diversification, and alternative funding options can help brands navigate trade uncertainty and stay competitive.
Behind every bold brand is a founder with a big idea. But growth takes more than that. It takes clarity in the chaos, confidence in uncertainty, and the right tools to keep moving, no matter the market. That’s why we built Settle—to empower the people behind the brands shaping our world.
This month, we’re expanding access to two powerful features—automated bill pay and landed cost tracking—by including them in our $0/month Launch Plan. Plus, we’re introducing 7 new product updates across inventory, reporting, and vendor workflows.
Managing inventory as a food CPG founder isn’t just about stocking shelves, it’s about cash flow. Learn how to forecast demand, balance stock levels, and optimize purchasing to keep your business running efficiently.
Join our newsletter and never miss an update on Settle's latest features and industry trends.