SettleSettle

Pays for itself before month-end.

$645 a month for the full Settle workspace. The cash you free up usually shows up in week one. Run the numbers on yours below.

What stuck cash is costing you.

It's not just the dollars in unpaid invoices. It's what you pay to borrow against them, the hours your team loses chasing and stitching context, and the growth you can't fund because the cash hasn't arrived. Drag the inputs to match your numbers — buyers run anywhere from 20 to 2,000 invoices a month.

Or start with:
60
$
Total dollar value of invoices you send each month, before write-offs.
2 people
AR clerks, controllers, managers, anyone who handles invoices, disputes, or reconciliation. Each adds ~6 hrs/week of coordination + their share of the work.
$60/hr
Per person on the billing team — salary + benefits, blended across roles (clerks, controllers, managers).
What stuck cash costs you per year
$0
On $400,000 of monthly billing across 60 invoices, sitting ~45 days
Hours lost to billing
$0/yr
~0 team hours/week across 2 people — invoicing, chasing, dispute resolution, cash application, and stitching context between tools. Valued at $60/hr × 52 weeks.
Borrowing cost
$0/yr
11% APR on ~$0 of cash stuck right now
Growth you can't fund
$0/yr
Capital sitting in invoices instead of deployed. $0 is roughly a contractor sprint, a quarter of inside-sales spend, or the gap between hiring now or waiting two months.
0×
ROI on what you pay
$7,740/year of Settle against $0/year of bleed. Pays for itself in ~0 days.
Every month you wait: ~$0 more bleed.
Over 3 years: ~$0 recovered vs $23,220 of Settle. The bleed compounds — and so does the offset.
Working capital you'd free up
$0
Cash that lives in your business instead of waiting on customers. The kind of number that either funds the next move or stays trapped in receivables.
What that buys you
0
mid-level hires
At a fully-loaded ~$95K/year per person.
0
months of paid acquisition
At ~$15K/month of meaningful campaign spend.
0%
lift to net profit
At a typical 15% services-firm margin.

Plus what we can't put a number on: the relationship damage from wrong invoices, the apology emails, the panic before month-end close, the credibility tax with clients who see chaotic billing. Those don't show up here — they show up in retention.

The stack you can stop juggling.

Teams running real billing are stitching together 4–5 tools plus a pile of spreadsheets. Settle is one workspace where every piece shares state with the others.

What buyers currently piece together
Invoice creation & delivery
e.g. Invoiced, Plooto, Stripe Invoicing
$100–300/mo
Dunning automation
e.g. Chaser, Upflow, Tabs
$300–800/mo
Client billing portal
e.g. Front, FlowMSP, custom build
$100–300/mo
Workflow automation
e.g. Zapier with billing triggers
$50–200/mo
Billing reports & dashboards
e.g. Tesorio, custom dashboards
$100–300/mo
Total point tools
$650–1,900/mo

Plus what doesn't have a price tag: spreadsheets for disputes, email threads for approvals, Notion docs for commitments, hand-built reports for DSO.

Your accounting system (QBO, Xero, NetSuite) stays — Settle is the operational layer that runs on top.

Vendor names are illustrative examples. Prices reflect publicly listed pricing as of June 2026 and vary by plan, seats, and volume.

Settle replaces all of it
One workspace where every piece shares state with the others.
$645/mo

What's included

The full invoice-to-cash workspace. Nothing gated, nothing held back for a higher tier.

Issue

  • Invoices, line items, scheduled send
  • Approval gates before send
  • Recurring and milestone billing
  • Reusable line item catalog

Chase

  • Pre-due and post-due reminders
  • Commitments that pause chasing
  • Workflow runtime that knows when not to fire

Resolve

  • Typed disputes (pricing, scope, PO mismatch, tax, more)
  • Internal and client messages on every invoice
  • Per-invoice timeline and history

Pay

  • Multiple payment methods per company
  • Remittance capture with multi-invoice allocation
  • Client portal — see, pay, ask, dispute, upload proof

Reconcile

  • Settlement ledger — payments, write-offs, reversals
  • Cash application matched to the invoice

Measure

  • DSO, aging, payment performance, dispute aging
  • Team accountability and cash forecast reports
Coming soon — included when shipped
Quotes
Scope and billing schedule before the work starts. Target Q3 2026.
Credit Control
Risk decisioning from observed payment behavior. Target Q4 2026.
Integrations
ERP (QBO, Xero, NetSuite), payments, CRM, bureaus. Target Q4 2026.

For larger teams

Need more than 300 invoices a month?

For teams running 5,000+ invoices, or who need SSO, audit logs, SOC 2 reports, custom workflows, or a dedicated CSM — let's talk through what makes sense.

Book a 30-min discovery

Pricing questions

Save 17%
Settle
$537/month
Billed yearly · $6,444/year
Includes
  • 10 seats
  • 300 invoices per month
  • Full workspace — every feature
  • Unlimited client portal logins
Beyond that
Extra seat+$30/mo
Extra 100 invoices+$30/mo
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No credit card required.
30-day money-back guarantee. No questions asked.

Settle costs less than the cash you're leaving stuck.

Fourteen days free, no card, 30-day money-back guarantee. See it for yourself.

Book a 15-min walkthroughStart free trial