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A US accounts payable platform for consumer brands that pays vendor bills, including international wires in 90 currencies, and lends against them from $20,000 to $15 million with repayment from 30 days extendable to 180 days.
Settle scores 3.2 out of 5 (65 out of 100) in the Buckingham Intelligence Trade Finance Index 2026 and ranks 2 of 14. It is strongest for US consumer brands extending supplier terms to 180 days, with 5 out of 5 for facility size and tenor. Not published or not stated on the pages read: who can apply, published cost and standing.
Scores from the Trade Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 64 | 3 of 14 |
| For exporters | 66 | 2 of 14 |
| For wholesalers | 66 | 3 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US consumer brands extending supplier terms to 180 days.
What Settle publishes on its own pages, read on 21 October 2026.
A US accounts payable platform for consumer brands that pays vendor bills, including international wires in 90 currencies, and lends against them from $20,000 to $15 million with repayment from 30 days extendable to 180 days. It explains its simple interest pricing with an example but does not publish its rate.
| Fact | What the provider publishes |
|---|---|
| Legal status | 'Settle Inc.', 36 W 20th St #10, New York, NY 10011. The financing page does not name the lending entity, a partner bank or any state lending licence. |
| Products | Working Capital: Settle pays supplier bills on Extended Payment Terms (single repayment) or Amortized Terms; purchase order financing mentioned in the FAQ. Bill pay to international vendors 'via no or low-cost wire transfer in either USD or a foreign currency' (90 currencies). |
| Published cost | Simple interest on the outstanding balance; no base rate or fee schedule. FAQ illustration: a 1.4% monthly simple-interest rate equals a 17.03% APR. International wires $13 to $15 by plan. |
| Facility size and tenor | 'Approvals from $20K to $15M.' Repayment due in 30 days, extendable to 180 days (help centre: in 30-day steps up to 120 days for Extended Payment Terms). |
| Speed | Approval in 1 to 3 business days; 'Most founders get funds in a few days'. Each financed payment reviewed in 1 to 2 business days. |
| Who can apply | Consumer brands that hold inventory; trailing twelve-month revenue of at least $500,000; at least one year in operation. Personal guarantees 'typically' not required. US focus implied; countries not stated. |
| Funding and history | 'Funded over $4B'; a $240M credit facility from a financial institution and an NYC asset manager. Investors include Ribbit Capital, Kleiner Perkins and Founders Fund. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: settle.com/financing, help.settle.com/en/articles/…, help.settle.com/en/articles/….
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wayflyer | 3.9 | 1 of 14 | Inventory funding for brands and wholesalers |
| Ebury | 3.2 | 3 of 14 | Unsecured import finance with FX in one account |
| HSBC Hong Kong | 3.1 | 4 of 14 | Asian traders needing letters of credit and trade loans |
| Virgin Money (Nationwide) | 3.0 | 5 of 14 | UK exporters using a UK Export Finance backed facility |
| Kriya | 2.9 | 6 of 14 | UK exporters financing invoices to overseas buyers |
| Funding Societies | 2.7 | 7 of 14 | Singapore SMEs paying overseas suppliers |
| Tradewind Finance | 2.4 | 8 of 14 | Export factoring with credit protection |
| Credlix | 2.3 | 9 of 14 | Indian exporters selling to the US and Europe |
| Drip Capital | 2.3 | 10 of 14 | Unsecured supplier payment terms for US importers |
| Clearco | 2.0 | 11 of 14 | US e-commerce brands paying overseas suppliers' invoices |
| Bibby Financial Services | 2.0 | 12 of 14 | UK exporters wanting invoice finance with bad debt cover |
| 8fig | 2.0 | 13 of 14 | Online sellers funding inventory and supply chain costs |
| NatWest | 1.4 | 14 of 14 | UK businesses wanting a full bank trade finance range |
Side by side on every criterion, fact and award.
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