| Key Takeaway | Summary |
|---|---|
| 🛒 eCommerce Focus | Built specifically for eCommerce businesses and online sellers, not brick-and-mortar or non-digital small businesses. |
| 💰 Funding Type | Provides equity-free merchant cash advance-style funding tied to revenue and sales performance, not traditional loans. |
| ⚙️ How It Works | Uses platform integrations, supply chain analysis, and AI forecasting to build a customized growth plan and funding plan. |
| ⚡ Speed | The application process is fully online and often produces a funding offer within about 24 hours for qualified applicants. |
| 📊 Planning Tools | Includes AI CFO tools, dashboard forecasting, and visual supply chain and cash flow planning instead of spreadsheets. |
| ✅ Qualifications | Typically requires at least 6 valid months of operation, $100K+ in annual revenue, $12K+ in recent monthly revenue, and an active online store. |
| ⭐ Reviews | Customers promote mixed but generally positive feedback, with praise for speed and tools, but complaints about costs and plan changes. |
| 🏆 UCS Rating | United Capital Source rating: 3.8 out of 5. |
eCommerce businesses face a unique set of challenges when securing funding. Unlike many traditional small businesses, online sellers often deal with uneven cash flow, long supply chain cycles, upfront inventory costs, and delayed marketplace payouts. Rapid scaling can create opportunity, but it can also strain working capital and disrupt the full financing cycle needed to support growth.
Traditional banks don’t always understand these models, and their underwriting methods may not align with how online stores operate. In response, fintech platforms and alternative business lending providers, such as 8fig, have introduced eCommerce funding solutions tailored to revenue trends, supply chain stages, and platform sales data.
These options can be faster and more flexible than conventional loans, but costs, structures, and terms can vary significantly. Because of that, it’s important for store owners to carefully evaluate any funding partner, understand how the funding process works, and weigh both advantages and risks before moving forward.
In this review, we’ll explore how 8fig works, including the available options, pros and cons, and the application process. Specifically, we’ll answer these questions and more:
8fig is a specialized fintech company founded in 2020 that provides AI-driven funding and cash flow financing solutions for eCommerce sellers. The company focuses on capital for online stores and marketplace merchants, combining business funding with forecasting tools and supply chain analysis. Since launch, the company reports having delivered hundreds of millions of dollars in funding to online businesses. It is headquartered in Austin, Texas.
The platform is built for eCommerce businesses that sell through major marketplaces and shopping cart platforms. Instead of offering conventional business loans, it structures funding around a growth plan tied to inventory cycles, marketing spend, and projected sales. Its funding and forecasting technology is often described by users as fast, simple, and intuitive, with a user interface designed for store owners rather than financial specialists.
8fig primarily provides eCommerce working capital funding for businesses based in the U.S. or Canada. It does not provide startup capital and focuses on ongoing funds for established online sellers with an active online store and verifiable revenue.
Rather than positioning itself as just a funding source, the company presents itself as a growth partner for eCommerce sellers. The model centers on helping businesses plan each batch of inventory, marketing spend, and logistics through a structured funding plan.
The platform’s tools aim to give sellers an outside view of their numbers, future potential, and profitability before committing money to the next batch of products. This approach is intended to support business growth and rapid scaling while helping businesses cut costs and avoid cash-flow gaps throughout the financing cycle.
8fig operates as a merchant cash advance provider rather than a traditional lender. A merchant cash advance (MCA) is not a loan. Instead, it is an advance on future sales. The provider provides a lump-sum capital and collects repayments through remittances tied to revenue and total sales.
In this model, costs are typically expressed as a fixed fee or factor rather than an interest rate. For eCommerce sellers with volatile sales and platform-based revenue, this structure can be more flexible than fixed-term debt financing, though it may also be more expensive than bank funding.
The company supports multiple eCommerce platforms and marketplaces. These commonly include Amazon, Shopify, eBay, BigCommerce, WooCommerce, and Wix. Many Amazon sellers and Shopify merchants use the platform by connecting their Amazon store or storefront directly to it. The list of supported platforms is subject to change as integrations evolve.
Working with 8fig starts with connecting your eCommerce account data so the platform can review sales, Amazon payouts, supply chain stages, and cash flow patterns. The funding process is designed around continuous capital rather than a one-time advance, with funding tied to a structured growth plan.
8fig provides funding solutions tailored to each business rather than preset ones, and its system evaluates how much funding a business can support based on revenue, margins, and supply chain timing.
The first step is linking your online stores and bank account. The store owner connects the marketplace and platform data so the system can review sales history, total sales trends, and operational performance.
Users appreciate the ability to connect their eCommerce platforms directly for automated syncing and forecasting. This integration is required to create a pre-approved offer or a final offer and to proceed with the application process.
After connection, the platform performs revenue and supply chain analysis. It reviews supply chain stages, sales velocity, marketing spend, and inventory cycles. This includes evaluating one batch at a time and projecting how the next batch may perform.
This supply chain analysis helps determine eligibility, funding amounts, and the funding plan structure. The goal is to align working capital with the business financing cycle rather than forcing a fixed repayment structure.
The store owner submits an initial funding proposal explaining how much funding is needed and how it will be used. The AI-driven system runs projections and a profitability check to determine whether the plan is realistic based on past year performance and current plan metrics.
The company’s AI CFO technology generates a customized growth plan that maps funding, inventory purchases, marketing, and expected sales. This plan covers the full financing cycle and serves as a planning lab for forecasting and scenario testing. Many users describe it as a better forecasting tool than spreadsheets.
There is no published funding cap. Instead, how much funding is available depends on revenue, margins, and potential growth. Funding solutions are tailored to each eCommerce business rather than offered as preset packages.
The cost of capital is expressed as a fixed fee. The company indicates that on a $100,000 advance, costs often range from $6,000 to $10,000. That equals roughly a 6% to 10% fee, or a factor rate of about 1.06 to 1.10. There is no traditional interest calculation, but total costs should still be compared carefully with those of other working capital options.
Funding is equity-free and does not require collateral or personal guarantees.
After accepting a funding offer, money is typically deposited into the business bank account quickly. Many applicants report that the company often provides a funding offer within approximately 24 hours after submission. This focus on fast business funding can help eCommerce stores take advantage of time-sensitive opportunities.
Repayment works through a remittance schedule based on sales. Instead of fixed monthly payments, remittances are tied to revenue and platform payouts. The structure is clearly outlined in the growth plan, including when and how pay events occur and how the advance is repaid over time.
8fig publishes relatively clear eligibility standards for eCommerce funding. To qualify, a business must generally meet the following requirements.
The company does not set a minimum credit score and does not base approvals on personal credit. Instead, it focuses on business performance, revenue, and growth potential.
8fig only serves eCommerce sellers. Businesses that operate purely offline or in physical retail will need a different funding provider. For online sellers, the narrow focus allows the company to tailor funding solutions and management support specifically to eCommerce business models and supply chain needs.
There is no credit score check to apply. Most indications suggest there is no soft credit pull in many cases. That makes the platform appealing to small businesses seeking working capital funding for bad credit.
Required integration is part of the service. Applying requires connecting your store data and bank account. The company states this data is used for underwriting, forecasting, and growth planning. Still, applicants should be comfortable sharing platform and financial data as part of the funding process.
8fig is a merchant cash advance provider, not a traditional lender. A merchant cash advance, also called a business cash advance, differs from a loan in structure, regulation, and terminology. Instead of conventional business loan interest, there is a fixed fee. Instead of loan payments, there are remittances tied to sales and payments received through marketplaces.
Overall, online reputation is generally positive but mixed. The company has many glowing reviews praising its support team, technology, and funding speed, alongside critical feedback pointing to costs and, in some cases, plan changes. Google reviews and marketplace discussions reflect both satisfaction and frustration, depending on outcomes.
8fig offers a business funding affiliate program. ISOs and business loan brokers can sign up on the company’s website to offer financing solutions to their eCommerce clients.
The small business loan application process is fully online and built around platform integrations and automated review. It is designed to be faster than many traditional funding applications.
Start by creating an account on the platform. The store owner enters basic business details and creates login credentials.
Next, connect your eCommerce platforms and bank account. This allows the system to pull sales, revenue, and payout data and begin analysis.
You then submit your funding request, including the amount of capital you want and how you plan to use it for inventory, marketing, or scaling initiatives.
The system produces an initial funding proposal and growth plan. If approved, you receive a funding offer outlining costs, remittance schedule, and projected outcomes.
If you accept the offer, you sign the agreement and receive money in your bank account, often within a short timeframe.
After funding, remittances work according to the growth plan and remittance schedule. Payments are tied to sales and platform payouts rather than to fixed payments, such as business installment loans. This structure is intended to align pay activity with revenue flow.
Users can monitor progress inside the dashboard. The account view shows remaining balance, payments made, supply chain milestones, and plan performance. The user interface is built so sellers can track funding, growth, and cash flow without complex spreadsheets.
Making changes is built into the system. Businesses can submit change requests to adjust the plan. There is no prepayment penalty for fully paying early. If you need more time, you can request schedule adjustments, although that may increase total costs when the plan is updated.
Renewal and ongoing funds are available. Businesses can request additional funding through the dashboard. If approved, the new capital is added, and the growth plan is updated to reflect the expanded financing cycle.
The main advantages center on specialization and speed. The platform is purpose-built for eCommerce sellers, including Amazon sellers and multi-channel merchants. It combines funding with supply chain and cash flow planning tools, offering more than just money. The growth partner approach and management support features help store owners plan marketing and inventory financing with a structured plan.
Funding is equity-free, requires no collateral, and does not rely on credit scores. The application process is digital and often fast, with funding offers sometimes delivered within a day. The dashboard and forecasting tools are frequently described as top-notch and more practical than manual spreadsheets. Continuous capital and adjustable funding plans also support rapid scaling.
Costs can be higher than traditional loans. While the factor-style fee is clear, it may still be more expensive than bank financing. Merchant cash advance structures are not ideal for every business, especially those with thin margins or volatile sales.
The required integrations and data sharing may feel intrusive to some owners. The model also only fits eCommerce business models, leaving out other industries. Some users report that funding plans or remittance schedules may change if performance projections are not met. That can create stress for businesses whose sales decline or customers shift buying patterns.
Pros:
Cons:
8fig is a legitimate funding company. It is a functional fintech platform that has served eCommerce businesses since 2020, delivering substantial funding volume. It maintains public business profiles and large volumes of customer feedback across review platforms.
The company was acquired in 2025 by Bizcap, a global funding organization, to expand its reach and access to capital while continuing operations under the same brand. That acquisition is intended to accelerate the rollout of its technology-led funding service worldwide.
Overall reviews are mixed but lean positive. Many reviewers describe the service as helpful for growth, cash flow planning, and scaling online stores. Positive feedback often highlights the support team, user interface, forecasting tools, and funding speed. Some sellers call it a lifeline for managing inventory and marketing spend between Amazon payouts.
Negative reviews tend to focus on costs, changing funding terms, or frustration when projections are missed. Some users report that funding plans can change unexpectedly or that remittance schedules become harder to manage when sales slow. Complaints also mention concerns about pricing and payment structures in certain cases.
8fig might deny your funding application if you fail to meet its basic eligibility criteria, such as not meeting the minimum revenue or time-in-business requirements. Additionally, if you are not selling on one of its approved platforms or you’re not an eCommerce business, you likely can’t apply for funding.
You should receive notice explaining the reasons for denial if you’re not approved for funding. If not, or if you require more information, you can contact 8fig directly. Additionally, you can be approved and decide not to move forward with funding if you do not like the growth plan offered.
Fortunately, you have many business lender options to consider if 8fig isn’t the right fit for you. Several online and alternative lenders offer financing for eCommerce businesses. These include merchant cash advances and other financing options. Businesses that meet the company’s revenue requirements and have good to excellent credit may qualify for lower-cost, long-term business funding.
Working with a small business loan marketplace (like UCS) allows you to apply to a network of lenders with a single application and potentially receive multiple offers. If approved, you can then get guided support in choosing the best deal for your business structure and growth goals.
You may be interested in one of the following small business loans:
8fig is a niche funding platform built for eCommerce businesses seeking funding and structured planning tools. It works best for online sellers with steady revenue, active platform accounts, and clear supply chain cycles. Businesses that value fast decisions, integrated forecasting, and flexible remittance schedules may find it attractive. It is less suitable for offline businesses, startups needing startup capital, or owners seeking low-cost traditional loans.
Based on the available information, we rate 8fig 3.8 out of 5. It’s potentially an excellent option for credit-challenged eCommerce businesses with steady revenue, but it lacks funding options for other industries.
Disclaimer: The 8fig trademark is owned by 8fig Ltd., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement by 8fig Ltd.
