How does Settle speed up month-end close?

Settle runs cash application, settlements, and reports in real time, so the books are already current at month-end. A three-day close becomes a half-day review.

How are write-offs and reversals tracked?

In Settle, each is a distinct, categorized record in the settlement ledger with an actor and timestamp — not a manual status toggle — so the audit trail holds up.

Does Settle replace our ERP or accounting system?

No. Settle is the operational AR layer on top of QuickBooks, Xero, or NetSuite, which remain your system of record.

Settle

Settle for controllers

A close that doesn't wait on AR.

Settle keeps the AR side of the books always current — settlements matched, write-offs tracked, disputes resolved on the invoice. Your reconciliation is clean because the books are clean.

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The close that waits on everyone else.

I'm doing three days of cash application at month-end because nothing matched in real time.

Disputes get logged in spreadsheets, then we re-do the reconciliation when they resolve.

Write-offs are someone's memory, not a record. Audits get awkward fast.

Our AR aging report is 6 days behind reality. By the time we act, it's a different month.

A close that starts clean.

Cash application happens daily, not monthly.

Settle matches payments to invoices as they arrive. No more 3-day catch-up at close. The bank rec just works because the books were right all along.

Write-offs that exist in the ledger.

Settle keeps write-offs categorized, audit-trailed, and tied to the invoice — not in someone's head. The next auditor doesn't get to discover them.

Disputes that don't break reconciliation.

Tracked as their own records with their own state. When they resolve, the books were already right. No more redoing the rec.

An aging report that's current.

Settle's aging always reflects today's reality, not last Friday's snapshot. The numbers you act on are the numbers that are true.

What you stop reconciling by hand.

Settlement ledger — typed and tracked

Payments, write-offs, reversals — distinct objects. Net settlement drives invoice status. Nothing toggled by hand.

Per-invoice timeline

Every state change, every adjustment, every actor — recorded. The audit trail is the timeline.

Typed disputes with resolution tracking

Reason taxonomy, who needs to act next, resolution outcome. The reconciliation hooks into it. No more side-spreadsheets.

Approval gates with reviewer/requestor records

Every invoice gets approved before send. Outcomes are tracked. The control test takes minutes, not hours.

Multi-invoice remittance capture

One payment, multiple allocations, full evidence chain. Cash application by row, not by detective work.

Real-time aging, DSO, dispute reports

Always reflects current state. The board pack stops being a stale snapshot.

Questions, answered

Walk into close with the books already matched.

Start free in minutes, no credit card. Or grab 15 minutes and we'll run it on your own invoices.

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