Settle

Settle originates clients through its free-to-use procure-to-pay and accounts-payable software, which creates a direct channel to growing consumer brands. Once a brand adopts the operational platform, Settle has real-time visibility into purchasing, vendor relationships, and unit economics, generating a proprietary origination funnel that bypasses brokers and marketplace lending channels.

Settle is both. The firm operates a software-as-a-service platform for procurement and accounts payable automation, while also providing working capital facilities directly from its own balance sheet. The credit decisions are informed by data captured within the operational platform, which gives Settle an underwriting feedback loop that pure-play software firms or traditional lenders lack.

Settle’s platform and credit products are purpose-built for physical-goods consumer brands navigating production, inventory, and wholesale cycles. The firm does not serve service-based businesses, pure software companies, or capital-light marketplace models. Its procurement and landed-cost tools are designed for stock-keeping-unit-intensive supply chains, creating a natural exclusion of sectors outside CPG, beauty, wellness, and physical retail.

Settle does not participate in GP-led co-investment structures. Its credit facilities are structured directly with portfolio companies, and the firm does not syndicate deal flow to external allocators. The model is a closed-loop, balance-sheet lending operation where underwriting and monitoring are tightly integrated with the operational platform that borrowers use daily.