Ecommerce growth eats cash. You have to buy inventory months before you sell it, and a growing store is perpetually short on working capital right when it needs to reorder. 8fig is built for that squeeze, providing flexible, non-dilutive funding matched to a seller's supply chain, released in stages rather than one lump sum, and repaid as a share of sales.
This is financing, not software, so the review lens is different: not features, but cost and fit. Here is how it works.
Bottom line: A flexible, non-dilutive way for growing ecommerce sellers to fund inventory in step with their supply chain, useful capital as long as you treat the cost like the financing it is.
Best for: Established ecommerce sellers with steady revenue who need working capital for inventory and supply chain, without giving up equity.
Price: Flat cost of capital, commonly $6,000 to $10,000 per $100,000 funded, repaid as a share of sales.
Rating:
How 8fig works
8fig connects to your store, analyzes your sales and cash flow, and builds a growth plan, then provides capital in stages timed to your supply-chain needs rather than as a single upfront sum. Repayment is a percentage of your sales, so payments fall in slow periods and rise in peak ones, which fits the seasonality of ecommerce better than a fixed monthly loan payment. Crucially it is non-dilutive: you take capital, not an investor, so you keep all your equity.
It also pairs the money with planning tools for supply chain and cash flow, positioning itself as a growth partner rather than only a lender. For a seller whose main constraint is inventory cash, that structure is genuinely well-matched to the problem.
What it costs
8fig charges a flat cost of capital rather than traditional interest, commonly in the range of $6,000 to $10,000 for every $100,000 funded, with repayment taken as a share of sales. That flat framing is easy to understand, but do the honest math: converted to an annualized rate over the actual repayment period, the effective cost can be meaningful, as it is with most fast, flexible growth capital. Compare it against alternatives on true annualized cost, not just the headline fee.
Used well, that cost is simply the price of growing faster than your own cash flow allows, and if the inventory it funds earns more than the capital costs, it is accretive. Used carelessly, it is expensive money.
Eligibility and fit
8fig is for established sellers, typically with a track record of at least a year and meaningful monthly revenue, not brand-new stores. It fits a seller whose growth is genuinely constrained by inventory cash and whose margins comfortably exceed the cost of capital. It is the wrong tool if your unit economics are thin, since paying for capital on top of slim margins can erase the profit. Know your numbers before taking any growth financing, this one included.
Pros
- Non-dilutive: capital without giving up equity
- Funds released in stages matched to supply chain
- Repayment flexes as a share of sales
- Flat, understandable cost of capital
- Bundled cash-flow and supply-chain planning tools
Cons
- Effective annualized cost can be high, so do the math
- Only for established sellers with a track record
- Thin-margin businesses can get squeezed
- Repayment share reduces cash during peak sales
- It is financing, with the obligations that implies
Is 8fig worth it?
For an established ecommerce seller whose growth is capped by inventory cash and whose margins comfortably beat the cost of capital, 8fig is a useful tool, because non-dilutive funding staged to your supply chain and repaid from sales fits the problem far better than a rigid loan. The discipline is financial: convert the flat fee to an annualized cost, compare alternatives, and make sure the inventory it funds earns more than the capital costs.
For a thin-margin or very early store, paying for growth capital can erase the profit, so fix the unit economics before reaching for financing.
Frequently Asked Questions
What is 8fig?
8fig is a funding platform for ecommerce sellers. It provides flexible, non-dilutive capital matched to your supply chain, released in stages rather than one lump sum, and repaid as a percentage of sales, paired with cash-flow and supply-chain planning tools.
How much does 8fig cost?
8fig charges a flat cost of capital rather than traditional interest, commonly around $6,000 to $10,000 for every $100,000 funded, with repayment taken as a share of sales. Convert that to an annualized rate over the repayment period and compare it against other financing before committing.
Is 8fig a loan?
It is a form of revenue-based financing or working capital advance. You receive capital and repay it from future sales as a share of revenue, and it is non-dilutive, so you do not give up equity. It carries repayment obligations like other financing, so treat it accordingly.
Who qualifies for 8fig funding?
8fig is aimed at established sellers, typically with at least a year of selling history and meaningful monthly revenue, rather than brand-new stores. It fits best when growth is constrained by inventory cash and margins comfortably exceed the cost of capital.