Invoicing your clients.
Tracking your vendors.
Without three tools.
You bill clients on retainer and on project. You pay sub-contractors, freelancers, software vendors. Settle gives you one ledger for every dollar in flight, in both directions.
Money in
Acme Studios · Monthly retainer
INV-2042 · paid via ACH
+$12,000
Money out
Pixel Forge · video editing
Bill · awaiting your review
−$3,400
Northstar Creative · live
Net this week
+$8,600
Cash flow coordination
Know what's landed
before you approve what leaves.
Agencies don't fail from lack of work. They fail from timing. A retainer is late. A vendor expects payment Tuesday. Payroll is Friday. Settle lines up incoming revenue and outgoing obligations so you can see what's landed before you commit what leaves.
Other tools track one side. Settle tracks both — and shows you the timing between them.
Money in
Client AR
- Retainer schedules
- Project invoices
- Hourly + flat-fee
- Reminders
Money out
Vendor AP
- Invoice Me intake
- Sanctions checks
- Vendor records
- Mark-paid tracking
One ledger. Both directions.
A typical week
What an agency week looks like.
Five days. Money moves in both directions. One ledger keeps it straight.
Acme retainer sent
$12,000 outbound. Auto-drafted overnight.
Pixel Forge submits a bill
$3,400 inbound via Invoice Me. Sanctions cleared.
Acme pays
$12,000 lands in your account.
Approve Pixel Forge
You review the bill and queue payment for Friday.
Week closes
Net cash: +$8,600. Ledger reconciled. No spreadsheet.
Common questions
What every agency owner asks.
Question
How do I track money in and money out without juggling tools?
Client invoices, vendor bills, and payment records all live in Settle. Outbound and inbound side by side. Search by client, by vendor, by month, by status. Export anytime. One source of truth for what's coming and what's going.
In
$25,500
12 clients
Out
$5,620
7 vendors
Net
+$19,880
Question
How do I receive vendor bills without losing them in email?
Share your Invoice Me link with sub-contractors and vendors. They submit a structured bill with PO number, amount, and an attachment. The bill lands in your inbox with sanctions and fraud checks already done. No more chasing PDF attachments through Gmail.
Submit a bill to
Northstar Creative
Sanctions cleared · in your inbox
Question
How do I handle different billing modes for different clients?
One client is on a $12K monthly retainer. Another is paying by project milestone. A third is hourly with a flat-fee retainer on top. Set the schedule and mode per client. Settle handles each one on its own cadence.
Acme Studios
$12,000
Globex Co
$4,200
Initech LLC
$2,800
Question
How do I keep my client invoices looking polished?
Your logo on every invoice on the free plan. Custom colors and theme on paid plans. The payment page your clients see carries your brand, not Settle's. Enterprise clients with procurement teams get a billing experience that matches their expectations.
Northstar Creative
Amount due
$12,000.00
PO NS-2026-114 · Net 30
Question
How do I review and approve vendor bills before they're paid?
Every inbound bill lands in your Bills inbox with status New. Review the bill, approve it, then mark it paid when you settle (wire, ACH, check, card). The whole flow is tracked. Note: Settle records the payment, you initiate it through your bank or Stripe.
Pixel Forge · $3,400
Awaiting your review
Sanctions check
Vendor known
PO matches
Mark paid when you settle by wire, ACH, or check
Cash timing
See incoming revenue before committing outgoing payments.
One screen lines up clients and vendors so the timing question stops being a guess.
Northstar Creative · May
12 active clients · 7 active vendors
Money in · clients
$25,500
Acme Studios
Retainer · monthly
$12,000
Paid
Globex Co
Project · phase 2
$4,200
Paid
Initech LLC
Hourly · April
$2,800
Sent
Soylent Inc
Retainer · monthly
$6,500
Overdue
Money out · vendors
$5,620
Pixel Forge
Video editing
$3,400
Unpaid
Ink & Type
Copywriting
$1,800
Approved
Cloudside Hosting
Subscriptions
$420
Paid
One screen. Both directions. No reconciling spreadsheet.
Net
+$19,880
Friday, 4:18 PM
What the owner sees before closing the laptop.
The week, the obligations, the projected cash. Without spreadsheets, without questions.
Northstar Creative · This week
May 12 – May 16
Mon
Tue
Wed
Thu
Fri
In · this week
$37,500
4 client invoices
Out · this week
$5,620
3 vendor bills
Late client
Soylent
$6,500 · 4 days overdue
Net cash · week
+$31,880
Heading into next Friday's payroll
Next week · obligations
As you scale
From three clients to thirty.
The two-sided ledger that worked at five clients works at fifty.
When
When you bring on your first sub-contractor
Then
Open Settle Intake
Your contractor submits through your branded Invoice Me link. Sanctions and fraud checks run automatically before the bill reaches your team.
Learn more →When
When cash flow becomes a chess match
Then
Open Cash Pulse
Know what's landing this week vs what's owed. See which clients drift slow and which vendors expect payment soon.
Learn more →When
When you start working with international clients
Then
Bill in 20+ currencies
Send invoices in EUR, GBP, CAD, AUD, INR, MXN, BRL, and more. Each invoice tracked in its native currency end to end.
When
When client billing becomes routine
Then
Hand it to a Revenue agent
The agent drafts and sends each cycle, within your spending caps and approved client list. The team focuses on the work, not the billing.
Learn more →Built for
Small teams billing real clients.
Stop running the agency
through three tools.
Sign up free. See how the whole platform connects. Your first client and vendor wire up in minutes.