Settle 🧾 Service

What you get

Settle is AP automation and working-capital for CPG and ecommerce brands. The software has two tiers: Launch is free, and Accelerate is $199/month with no added transaction fees; both cover bill collection, approval routing, invoice-to-PO-to-receipt matching, and landed-cost calculation (materials, freight, packaging, duties). Separately, Settle offers non-dilutive inventory financing against your own payables and purchasing data, sized from $20,000 to $15 million, with approval reported in days. Settle describes this financing as not requiring you to give up equity, but its rates, fees and repayment terms are not published on the public site.

Who qualifies

CPG sub-verticals such as food & beverage, health & beauty, household goods, apparel, supplements and pet products, including Shopify and Amazon sellers. The page does not state a minimum revenue, time-in-business or credit requirement for either the software or the financing.

Good to know

• The free Launch plan is a real way to get AP automation and purchase-order tracking before you need financing at all.
• Because financing terms aren't public, run the numbers with a Settle rep and compare against Clearco, Highbeam or a bank line before committing working capital against a specific PO.
• The landed-cost calculation (freight, duties, packaging) is a genuine differentiator for import-heavy CPG brands, where that number is easy to get wrong manually.

Verdict

Worth adopting for the free AP automation alone if you're a CPG or ecommerce brand juggling supplier POs by spreadsheet; treat the inventory financing as a separate decision once you have a written offer with real rates in hand.

1. Go to settle.com and sign up for the free Launch plan to start AP automation.
2. Use the Working Capital Calculator at settle.com/calculator to estimate financing you could qualify for.
3. Book a demo or contact Settle to apply for inventory financing and get written rates and terms.