Bill like a firm.
Without becoming one.
Your clients have procurement teams, vendor portals, PO numbers, and Net 60 terms. Your billing has to match that bar. Settle gives you the polished surface of a professional services firm without the overhead of running one.
From
Field & Co Advisors
San Francisco, CA · EIN on file
Invoice
FCA-2042
PO number
PO-2026-114
SOW
Q2 Advisory · Apr 15
Strategic advisory · April
€18,000
Board prep · 8h
€2,400
Travel pass-through
€1,200
Total · EUR
Net 60 · due Jul 13
€21,600
Credibility
The trust your clients hand you,
mirrored in how you bill them.
You charge $250 an hour or $80,000 for an engagement. The invoice that arrives in your client's procurement queue should look like it came from a firm of that caliber. Not a freelancer.
PO numbers, SOW references, legal entity name, payment terms, multi-currency. The details procurement looks for, all in the right places.
What procurement expects
Legal entity on the bill
Field & Co Advisors LLC, not just a person.
PO and SOW references
On every invoice in the engagement.
Payment terms
Net 30, Net 60, custom — set per engagement.
Wire and ACH instructions
Included where procurement needs them.
Multi-currency
Each invoice in the client's currency.
Audit-ready history
Every invoice and payment searchable in Cash Pulse.
One engagement
From kickoff to renewal, one engagement tracked.
Each invoice carries the same PO and SOW reference. The client's AP team sees consistency. You see one continuous record.
Engagement
Berlin SE · Q2 strategic advisory
PO-2026-114 · SOW Apr 15 · €80K total
Phase 1
Deposit
$15K · Mar 18 · paid
Phase 2
Kickoff invoice
$20K · Apr 1 · paid
Phase 3
Midpoint
$25K · May 1 · awaiting
Phase 4
Final
$20K · Jun 1 · scheduled
Renewed
Retainer
Jul onward · $12K/mo
Relationship continuity
Every engagement becomes part of
a continuous client record.
When the next engagement starts, the client's billing history is already there. Every invoice you've sent them, every payment they've made, every PO they've referenced. The credibility of the last engagement carries into the next.
Their procurement team sees consistency across years. You see one continuous account. The relationship compounds.
Client account
Berlin SE
5 engagements · €320K lifetime
2024 Q1
€60K
Operating model review
Paid
2024 Q3
€72K
Restructure advisory
Paid
2025 Q1
€18K
Board prep
Paid
2025 Q2
€80K
Strategic advisory
Sent
2025 Q3
€90K?
Renewal in discussion
—
Every engagement, one continuous record.
Common questions
The questions sophisticated clients create.
Question
How do I carry PO numbers and SOW references on every invoice?
Add a PO and SOW reference to the engagement. Every invoice you send for that engagement carries the same reference block. Procurement reads exactly what they expect. Nothing to remember at billing time.
Engagement: Berlin SE Q2
PO
PO-2026-114
SOW
Apr 15
FCA-2042
PO-2026-114
FCA-2043
PO-2026-114
FCA-2044
PO-2026-114
Every invoice in this engagement carries the same reference.
Question
How do I bill a client in their currency without confusing my US books?
Pick the currency per engagement. Bill in EUR, GBP, CAD, AUD, INR, MXN, BRL, JPY, CHF, and more. Each invoice is sent and tracked in the currency the client expects. Settle records the original currency end to end, no forced conversion.
Your engagements
Berlin SE
€21,600
London Bridge Capital
£14,800
Acme Holdings
$32,000
20+ currencies. No forced conversion.
Question
How do I look established to procurement without becoming a firm?
Your invoice carries your logo, your legal entity name, your payment terms, and your wire instructions. The payment page your client sees is Settle-hosted, but it looks like yours. Enterprise AP teams get the billing surface they expect.
From
Field & Co Advisors LLC
San Francisco · EIN on file
PO
PO-2026-114
Terms
Net 60
Total · EUR
€21,600
Looks like a firm. Built by one person.
Question
What if a client wants me onboarded through their vendor portal?
You stay the billing-of-record. Settle stores every invoice you've sent, with PO and SOW context, so when their AP system asks for proof, you can hand it over. The audit trail is built in.
Berlin SE history
PO-2026-114
FCA-2042
May 14
€21,600
Sent
FCA-2041
Apr 14
€21,600
Paid
FCA-2040
Mar 14
€21,600
Paid
FCA-2039
Feb 14
€18,000
Paid
Question
Which engagements are funding the quarter?
Set Net 30, Net 60, or custom terms per engagement. Cash Pulse turns the engagement book into operating intelligence: who's paying on time, who's drifting close to terms, and which engagements are actually funding this quarter versus which are still contracted but uncollected. Know when revenue is real, not just promised.
Berlin SE
18/60 days
London Bridge
42/60 days
Acme Holdings
55/60 days
Question
Can I take a deposit before kickoff?
Yes. Send a payment request for the deposit before work begins. When the deposit clears, kick off the engagement. The deposit lives in the same engagement record as the milestone invoices that follow.
Berlin SE engagement
Deposit · before kickoff
€15,000
Paid
Phase 1 · midpoint
€25,000
Paid
Phase 2 · final
€20,000
Scheduled
One engagement. Deposits and milestones tracked together.
Engagement intelligence
Which engagements are healthy?
Aging, concentration, currency exposure, renewal posture. Every engagement scored against itself.
Field & Co Advisors · engagement book
Q2 view · 4 active
Funding this quarter
$56,400
2 paid · 2 expected
Aging close to terms
2
London & Acme
Concentration risk
38%
Berlin SE · top client
Currency exposure
3
EUR · GBP · USD
By engagement
Berlin SE
EURExposure: €21,600
Aging vs terms
18/60d
London Bridge Capital
GBPExposure: £14,800
Aging vs terms
42/60d
Acme Holdings
USDExposure: $32,000
Aging vs terms
55/60d
Soleil Ventures
EURExposure: €9,200
Aging vs terms
12/30d
Every engagement scored against itself.
What procurement sees
The invoice that lands in their queue.
Legal entity, PO and SOW references, currency, terms. Every field where it should be.
Bill from
Field & Co Advisors LLC
123 Market St, San Francisco, CA 94103
EIN ****1234 · [email protected]
Invoice
FCA-2042
Issued May 14
PO Number
PO-2026-114
SOW
Q2 Advisory · Apr 15
Engagement
Berlin SE · strategic advisory
Terms
Net 60 · due Jul 13
Strategic advisory · April
€18,000
Board prep · 8h
€2,400
Travel pass-through
€1,200
Total · EUR
€21,600
Wire instructions
Beneficiary: Field & Co Advisors LLC
SWIFT/IBAN on payment page
Entity name and address
Procurement matches the bill to your vendor record by legal name. Settle puts this front and center.
PO and SOW block
The fields AP looks for are in their own labelled block, not buried in the description.
Native currency
EUR end to end. No forced conversion. The client pays what they expect to pay.
Payment terms visible
Net 60 on the bill itself. The due date computed and shown.
As the practice grows
From solo advisor to a real shop.
The same surface scales from three engagements to thirty.
When
When an engagement crosses $50K
Then
Switch to milestone billing
Bill against PO milestones — kickoff, midpoint, final. Each invoice carries the same engagement reference.
When
When you bring on a second consultant
Then
Bill each consultant's time per engagement
Hourly lines per consultant on the same engagement invoice. Procurement sees one bill. You see each contributor.
When
When you start working across borders
Then
Bill in 20+ currencies
Each invoice tracked in the client's currency end to end. Cash Pulse shows revenue per currency separately.
When
When you take on your own sub-contractor
Then
Open Settle Intake
Your sub submits through your branded link. Sanctions and fraud checks run before the bill reaches you.
Learn more →When
When the engagement book gets dense
Then
Open Cash Pulse
See which engagements are aging close to Net 60, which deposits are still outstanding, and what revenue lands this quarter.
Learn more →Built for
Independent advisors who bill enterprise.
The polish of a firm.
The overhead of one person.
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