NEW YORK, Oct. 30, 2026 /PRNewswire/ — Settle, a leading provider of inventory financing for consumer and ecommerce brands, today announced a forward-flow agreement with 3Jane, a structured credit platform. The facility provides $50 million in initial capacity, with an option to expand to $100 million. 3Jane has purchased $18 million of Settle’s existing loans and will purchase eligible new loans on a going-forward basis.
Settle has provided more than $4 billion in funding to thousands of consumer and ecommerce brands. Its loans finance inventory purchases and supplier invoices: Settle pays suppliers upfront, and brands repay through extended payment terms or scheduled installments. The forward flow frees up capital for new originations as loans are sold, expanding Settle’s lending capacity.
“Our customers need to pay for inventory before they can sell it,” said Alek Koenig, CEO and Founder of Settle. “The forward flow with 3Jane gives us a more capital-efficient way to finance that gap at scale.”
3Jane provides capital to fintech lenders through a revolving, tranched conduit powered by blockchain technology. The model is designed to deliver the economics of private, unrated securitization without requiring each originator to establish a costly standalone program.
“Settle has built a lending business serving thousands of consumer brands,” said Jacob Chudnovsky, CEO of 3Jane. “3Jane uses stablecoin liquidity to finance those loans through a structure designed to lower Settle’s financing costs.”
About Settle
Settle is a cash flow management and working capital platform purpose-built for product businesses. The company’s integrated suite, including bill pay, AP automation, invoice tracking, and flexible working capital financing, gives brands the tools to manage their payables and access the capital they need to grow. With total originations exceeding $4 billion, Settle has helped thousands of businesses across the United States unlock the capital they need to scale. Settle is backed by leading investors including Ribbit Capital, Kleiner Perkins, Caffeinated Capital, Stripes, Founders Fund, SciFi Ventures, Citi Ventures, and Activant Capital. Learn more at settle.com.
About 3Jane
3Jane is a cryptonative structured credit platform. By leveraging a revolving, tranched conduit on crypto rails, 3Jane provides fintech originators with access to warehouse lines, participations, and forward-flow programs via its USD3 and sUSD3 yield products. 3Jane is backed by leading investors including Paradigm, Wintermute, and Coinbase Ventures.
MEDIA CONTACT
Settle Communications
press@settle.com
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SOURCE Settle Inc.
