What is Settle?

Settle targets CPG brands in food & beverage, health & beauty, baby & kids, and related categories selling through Shopify, Amazon, TikTok, Walmart, and other e-commerce channels. The platform is purpose-built for brands that need capital to fund inventory purchases and want to automate their procurement and AP workflows.

The ideal customer is a scaling CPG company with demonstrated revenue growth (Settle cites 550% average 1-year revenue growth among its customers) that needs working capital without giving up equity. If you are a B2B service company, professional services firm, or established business in a different industry, Settle's focus on inventory procurement and e-commerce supply chains will not serve your needs.

Settle is also not appropriate for companies seeking CFO-level strategic guidance on financial planning, investor reporting, or capital structure. The platform handles specific transactional and financing tasks—it does not provide strategic financial leadership.

Settle's platform offers three core service areas:

Working Capital Financing: Settle provides $20,000 to $15 million in non-dilutive capital against purchase orders and inventory. Brands can fund inventory purchases without giving up equity or taking on traditional debt.

Procurement Automation: The platform handles purchase orders from initiation through payment, tracking landed costs across the supply chain. This helps brands manage their supply chain finances more efficiently.

Accounts Payable Automation: Settle automates AP workflows, paying suppliers on behalf of the brand and reconciling transactions. This reduces the operational burden of managing vendor payments.

Settle has processed over $6 billion in total payments and has provided more than $3 billion in funding since 2019, backed by investors including Ribbit Capital, Kleiner Perkins, and Founders Fund. Integrations include QuickBooks Online, NetSuite, Finaloop, Shopify, Amazon, TikTok, and Walmart.

Settle offers a two-tier pricing structure:

Launch: Free plan with basic features for brands getting started with procurement automation.

Accelerate: $199/month for more advanced capabilities. This plan includes no transaction fees, unlimited seats, and no per-order costs—making it predictable for scaling brands.

Working capital advances are priced separately based on the size of the facility and the specific terms. Because the capital product is factored against inventory and purchase orders, pricing differs from traditional loan interest. Prospective customers need to discuss specific advance rates with Settle's team.

Purpose-built for CPG and e-commerce: Settle's focus on inventory procurement and working capital for consumer brands gives it deep expertise in this specific niche—something generalist fractional CFO firms cannot match.

Non-dilutive capital: Brands access $20K–$15M in funding without giving up equity. For CPG founders who have raised venture capital, preserving ownership while scaling inventory is a meaningful benefit.

All-in-one operations platform: Combining procurement, AP automation, and working capital in one place reduces the number of tools a brand needs to manage its financial operations.

Impressive customer metrics: With over $6B in payments processed and 550% average 1-year revenue growth among customers, Settle has demonstrated meaningful traction in its target market.

No transaction fees on Accelerate: The $199/month flat rate with no per-order costs makes economics predictable for high-volume procurement operations.

Narrowly focused on CPG/e-commerce: Settle is built for a specific use case. B2B service companies, professional services firms, healthcare businesses, and most other industries will not find Settle relevant to their operations.

No CFO or strategic finance services: Settle automates procurement and provides working capital—it does not help with financial planning, forecasting, cash flow strategy, board reporting, or capital structure decisions.

Limited accounting depth: While Settle integrates with QuickBooks and NetSuite, it does not provide accounting services, monthly close management, or controller-level oversight. Brands still need a solution for these functions.

Credit availability tied to inventory: Because working capital is tied to purchase orders and inventory, brands with low inventory needs or primarily service-based operations may not qualify for meaningful capital advances.

Settle and Eagle Rock CFO serve almost entirely different needs. Settle is a financial operations tool for CPG inventory procurement; Eagle Rock CFO is a full-service finance office providing strategic financial leadership through our outsourced accounting services, controller services, and treasury management."

Eagle Rock CFO handles strategic finance: We provide CFO-level guidance on cash flow strategy, forecasting, financial planning, and capital structure—things Settle does not touch.

Eagle Rock CFO covers the full finance stack: From bookkeeping and monthly close to controller oversight, treasury management, and CFO-level strategy, we provide complete finance function coverage. Settle only handles procurement and AP automation through our outsourced accounting services, controller services, and treasury management."

Eagle Rock CFO works across industries: We serve growing companies across many industries—not just CPG brands. Whether you are in professional services, manufacturing, distribution, or e-commerce, Eagle Rock CFO can adapt to your business model.

Settle is an excellent tool for CPG brands that need working capital for inventory. But when you need a real finance team to run your numbers, drive strategic decisions, and build financial infrastructure, Eagle Rock CFO is the answer.

See our outsourced controller services and accounting services for what that includes.