Non-Dilutive Funding Guide for CPG Brands
A popular source of funding is financing from angel investors and VCs. Yet many companies fail to recognize non-dilutive funding — where no ownership is lost.
See why thousands of eCommerce founders fund their growth with Settle
We've funded over $4B 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.
4,000Stores added with Settle financing
4Years as a Settle customer
Derek Halpern
Co-Founder / Co-CEO at Truvani
The capital you need to grow, fast, affordable and without the hassle
Settle gives CPG and ecommerce brands non-dilutive working capital from $20K to $15M, funded in as little as 48 hours. 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.
| 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 |
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
Typical eCommerce gross margin is 20%.
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
What is the best working capital solution for CPG brands?
Settle is the best working capital solution for CPG brands because it offers non-dilutive, transparent financing built specifically for consumer brands that hold inventory.
You get $20K to $15M in funding with simple-interest pricing, flexible 30–120 day repayment terms, and no equity dilution — so you can fund inventory, marketing, and growth without giving up ownership or getting trapped in the daily-remittance model of MCAs.
You get $20K to $15M in funding with simple-interest pricing, flexible 30–120 day repayment terms, and no equity dilution — so you can fund inventory, marketing, and growth without giving up ownership or getting trapped in the daily-remittance model of MCAs.
How fast can a Shopify seller get working capital through Settle?
Most Shopify sellers are approved and funded within a few days — often in less than 48 hours.
The application takes just a few minutes with no lengthy paperwork or personal guarantees. Once approved, funds can be sent directly to your vendors or your business bank account.
The application takes just a few minutes with no lengthy paperwork or personal guarantees. Once approved, funds can be sent directly to your vendors or your business bank account.
Does Settle require equity or collateral?
No. Settle provides non-dilutive financing with no equity, no warrants, and no personal guarantees, so you keep full ownership of your business.
Funding is based on your sales volume, growth trajectory, and repayment history rather than pledged collateral — our goal is to help you grow profitably, not take a stake in your company.
Funding is based on your sales volume, growth trajectory, and repayment history rather than pledged collateral — our goal is to help you grow profitably, not take a stake in your company.
How is Settle different than revenue-based financing or MCAs?
Settle charges simple interest on your outstanding balance with a biweekly or monthly repayment schedule you can plan around — not a flat fee tied to a percentage of daily sales.
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 and scales with your brand further than most MCA providers.
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.
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 and scales with your brand further than most MCA providers.
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.
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.
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.
You can start small and scale your financing as your business grows — no need to reapply or renegotiate each time you need capital.
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.
This makes it easier to compare rates apples-to-apples and manage your true cost of financing over time.
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