8fig Review: Growth Plans for Ecommerce Inventory Cash Flow
8fig funds private-label and wholesale ecommerce sellers with tranche-based Growth Plans tied to supply chain stages—not a classic bank loan. Built for sellers who need inventory capital without giving up equity.
Updated Jul 21, 2026
Overview
Inventory checks and freight deposits can outrun Amazon or Shopify payouts. 8fig (8fig.co) sells a Growth Plan—revenue-based, non-dilutive capital released in stages aligned to your supply chain—aimed at private-label and wholesale ecommerce sellers in supported markets. This is not a personal credit-card cash-out or equity raise. Sellers connect store and bank data; 8fig builds a plan with disbursements and remittances. Public eligibility commonly cites US/Canada (ex-Quebec), multi-month revenue history, and roughly $100k+ annual / $12k+ average monthly revenue bands—confirm live on 8fig.co. Official FAQ guidance pegs cost of capital around $6,000–$10,000 per $100,000 funded as a fixed fee, not a classic APR. As of July 2026, confirm eligibility, supported channels, and fee quotes in-product. Choose 8fig when you need staged inventory capital and can share sales data. Skip if you dropship, are a sole prop outside eligibility, or want a simple lump-sum bank term loan.
Verdict
Recommend for established private-label/wholesale sellers who understand remittance tradeoffs. Conditional if margins are thin—fixed fees still cost real cash. Skip for early stores under revenue thresholds or unsupported business models. Treat every offer as a cash-flow model, not free money.
Pros & watchouts
Pros
- Capital timed to supply chain stages instead of one idle lump sum
- Fixed cost of capital disclosed upfront on many plans
- No equity dilution and typically no personal collateral pitch
- Remittance schedules can be adjusted when sales shift (change requests)
- Built specifically for ecommerce inventory cycles vs generic MCA spam
- Onboarding online with offers often in about a day after data connect
Watchouts
- Eligibility gates out early, dropship, and many sole-prop setups
- Fees of roughly 6–10% of funded capital add up on large plans
- Requires sharing store and banking data
- Remittances reduce free cash during peak seasons too
- Not a substitute for fixing unprofitable unit economics
Pricing / plans
As of July 2026 (confirm on 8fig.co / FAQ): • Cost of capital — commonly described as about $6,000–$10,000 per $100,000 in a Growth Plan (fixed fee framing) • Funding amount — customized; no single public “menu price” • Remittances — personalized schedule tied to sales projections Compare total repay vs Wayflyer, Clearco, and Shopify Capital on the same inventory need. One confirm-live check on your actual offer.
Who it's for
Amazon FBA and multichannel sellers with private-label or wholesale inventory, stable revenue above 8fig’s thresholds, and a clear PO/freight calendar.
Who should skip it
Skip if you dropship, lack revenue history, need consumer personal loans, or refuse data-sharing underwriting. Also skip when your product margins cannot absorb the fixed capital fee.
How to get value
Get value after funding: 1) Map each tranche to a real PO, freight, or prep milestone. 2) Keep remittance change-request rules handy before peak season. 3) Track contribution margin after remittances—not just GMV. 4) Do not stack multiple MCA-style products blindly. 5) Reinvest only into SKUs with proven sell-through. 6) Revisit the Growth Plan when supply chain lead times change.
Getting started
Buyer checklist: 1) Confirm country, entity type, and channel eligibility on 8fig.co. 2) Connect store + bank data and list upcoming supply chain costs. 3) Read the full cost of capital before accepting. 4) Stress-test remittances against a slow month. 5) Compare one alternate offer (Clearco/Shopify Capital) on identical need. 6) Accept only if inventory ROI clears the fee. Use the Try 8fig button on this page when ready.
Alternatives / when to choose something else
Named alternatives: • Clearco — ecommerce revenue-based funding peer. • Wayflyer — similar working-capital positioning. • Shopify Capital — merchant advances for Shopify sellers. • Traditional SBA/term loan — slower, different underwriting. Decision shortcut: staged supply-chain capital → 8fig. Shopify-native simplicity → Shopify Capital. bank relationship → term loan.
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FAQ
What is 8fig?
An ecommerce funding company offering Growth Plans—tranche capital for inventory and supply chain costs with remittances tied to sales.
How much does 8fig cost?
Many plans frame cost as about $6k–$10k per $100k funded; your offer shows the exact fixed fee—confirm as of July 2026.
Who qualifies for 8fig?
Typically established private-label/wholesale sellers in supported regions with meaningful monthly revenue—dropshippers and many sole props are excluded. Confirm live criteria.
Is 8fig a loan?
It is revenue-based / Growth Plan financing with a fixed cost of capital—not a classic amortizing bank loan with APR marketing.
8fig vs Clearco?
Both fund ecommerce growth. Compare tranche timing, fees, and eligibility on the same inventory scenario.
Does 8fig take equity?
Growth Plans are positioned as non-dilutive capital—you keep ownership; you pay the agreed remittances and fees.
8fig
72.9/100
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