The Margin Conversation Accountants Should Start in September
Why inventory-led brands need COGS clarity, cash flow planning, and working capital strategy now for a stronger 2026.
Settle now, pay later
We pay your vendor upfront. You pay us back later with terms tailored to your business.
See how Settle Working Capital can help you scale your business on your terms.
See how it works
Non-dilutive capital
More purchasing power
Transparent Terms
Do you know your real cost of financing?
Don't be fooled by a "low-rate" Merchant Cash Advance (MCA). MCAs charge their fee against the original amount you borrow - every month, making that "low-rate" more expensive than you think.
| Settle (Monthly)Saves you money vs MCAs | Revenue Based Financing (Monthly) | Revenue Based Financing (Monthly) | |
|---|---|---|---|
| Amount | $100,000 | $100,000 | $100,000 |
| Fee | 1.4% / mo on outstanding balance | 1.0% / mo on full origination amount | 1.4% / mo on full origination amount |
| Effective APR | 17.03% | 20.57% | 29.10% |
| Total Interest Paid | $4,957 | $6,000 | $8,400 |
| Repayment Period | 6 months | 6 months | 6 months |
| Total Payback | $104,957 | $106,000 | $108,400 |
| No prepayment fees or penalties | |||
| Flexible repayment schedule |
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.
*Subject to approval. 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
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