For fifteen years at Grant Thornton, cashflow was a spreadsheet exercise. But when I left to start my own practice serving small construction firms and creative agencies, cashflow became terrifyingly real.

I watched my best clients—businesses that were profitable on paper—struggle to make payroll because their invoices were sitting at 65 days unpaid. They were too busy doing the work to chase the invoices, and they were too afraid of damaging client relationships to send stern emails.

I tried generic automation tools. They were complicated, expensive, and sent robotic emails that made my clients look bad. I didn't want AI writing my emails. I just wanted a relentless, polite system that worked exactly the way I did.

So I built Settle. It runs quietly in the background, recovering cash for your clients, and making you look like a hero. It respects the accountant's workflow, because an accountant built it.