8fig

What does 8fig offer?

8fig offers growth capital built around your supply chain rather than a single lump sum. You map out your inventory purchases, and 8fig releases funds in stages that match when you need to pay suppliers, then collects a flat fee per cycle on a schedule that moves with your sales. It is unsecured, with no collateral and no credit check. Alongside the capital it provides a cash flow and supply chain planning tool. See our inventory financing page for how this structure differs from a loan.

Who does 8fig fund, and who do they decline?

8fig funds US and Canadian ecommerce sellers, and its published minimums are $100,000 in annual revenue and $12,000 in average monthly revenue. It is built for product sellers with a predictable restocking cycle on Amazon, Shopify or WooCommerce.

Who it declines is not published beyond those thresholds. In practice the structure does not suit service businesses, offline retailers or sellers with no inventory plan to fund against. If you sell online but want one lump sum rather than staged releases, revenue based financing from another provider may be simpler.

What does it typically cost and how fast is it?

8fig does not publish a rate or APR. The cost is a fixed flat fee per funding cycle, quoted per file, and there is no interest. To compare it fairly, add up the fees across a full cycle and convert them to an annual rate with our APR versus factor rate guide. Funding speed is not published. 8fig publishes that it has deployed more than $700 million, as a company figure.

What will you need to apply?

8fig connects to your store and bank data, so expect to link your Amazon, Shopify or WooCommerce account, your business bank account and your payment processor, and to share a supply chain or inventory plan. Have your incorporation documents and owner ID ready too. Our document checklist lists everything a lender in this category might ask for.

How does 8fig compare with similar lenders?

Wayflyer is the broadest alternative: it funds ecommerce brands from $5,000 to $20,000,000 on a flat fee with revenue based remittance, and it serves the US, UK and Australia. Clearco is the larger brand play, with a $100,000 monthly revenue bar and capped weekly payments. 8fig is the only one of the three that stages funding around your purchase orders, so pick it when inventory timing, not marketing spend, is the constraint.

How to apply

Apply once on this site and matching shows whether 8fig, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.