8fig Business Funding Review (2026)
- Min. Amount
- $500
- Max. Amount
- $10,000,000
- APR
- $6,000 to $10,000 per $100,000 funded (fixed flat fee; no APR or interest rate)
Our verdict
A revenue-based funding platform built exclusively for eCommerce sellers, no credit check, no collateral, no equity required.
8fig is a direct lender offering a product it calls the Growth Plan, a form of continuous, revenue-based financing built exclusively for eCommerce businesses. Rather than issuing a lump sum, it delivers ongoing capital injections tied to your supply chain schedule.
Costs are fixed and disclosed upfront: most sellers remit $6,000 to $10,000 per $100,000 funded. There's no credit check, no collateral required and you keep full equity in your business.
Funding offers typically arrive within approximately 24 hours of completing onboarding. The catch: it's limited to US and Canadian (excluding Quebec) sellers on select platforms, with no support for dropshippers or sole proprietors.
Best for: eCommerce sellers on Amazon, Shopify, or similar platforms who need flexible, ongoing working capital for inventory and supply chain costs.
Pros
-
No credit check
-
Flexible, real-time adjustments to funding and repayment schedule
-
Fixed cost of capital
Cons
-
eCommerce only — no other business types supported
-
Dropshippers and sole proprietors are not eligible
-
No phone support listed
Key takeaways
- 8fig is a legitimate revenue-based financing platform for eCommerce sellers, backed by $196.5 million in funding and now part of the Bizcap Group — but it only works with private label and wholesale sellers on supported platforms.
- Instead of a lump sum, 8fig releases capital in stages aligned to your supply chain schedule, with a fixed flat fee of $6,000 to $10,000 per $100,000 funded and no credit check required.
- The BBB F rating is worth noting — recurring complaints include mid-cycle disbursement freezes, UCC liens remaining active after balances were settled, and slow support when things went wrong.
Is 8fig legit?
Yes. 8fig was founded in 2020 by serial entrepreneurs Yaron Shapira, Assaf Dagan, and Roei Yellin, and is headquartered in Miami, Florida, with a research and development team in Tel Aviv, Israel.
The company raised $196.5 million across two equity funding rounds backed by Battery Ventures, LocalGlobe, and Koch Disruptive Technologies. It has since joined the Bizcap Group, a broader small-business lending organization. The company has been covered by TechCrunch, Forbes, Wired and Newsweek, among others.
What makes 8fig shine?
- Continuous funding, not a lump sum. Instead of one large disbursement, 8fig releases capital in stages matched to your supply chain schedule, lowering your overall cost of capital and keeping cash flowing when you actually need it.
- No credit check, no collateral, no equity required. Approval is based entirely on your sales history and revenue. Applying won’t affect your credit score, and neither will receiving funding. You also keep full ownership of your business.
- Real-time flexibility. You can adjust your funding amount, disbursement dates, and repayment schedule at any time through the platform — without needing to refinance or renegotiate.
- Fixed, transparent cost. 8fig charges a flat cost of capital rather than interest. Most sellers pay between $6,000 and $10,000 for every $100,000 funded, and you see the full cost before you agree to anything.
- Fast turnaround. After completing the online onboarding, most sellers receive a personalized funding offer in approximately 24 hours.
Where 8fig falls short
- eCommerce only. 8fig explicitly does not work with any business outside of eCommerce — so if you’re in retail, services or any other sector, you’ll need to look at other business loans.
- Dropshippers and sole proprietors are excluded. These two common business structures are specifically not eligible, which rules out a significant slice of online sellers.
- Revenue requirements are meaningful. You’ll need $100,000+ in annual revenue and an average of $12,000+ per month over the past three months. Newer or smaller businesses won’t qualify.
- Limited customer support channels. 8fig does not list a phone number on its website. Support is available via email (grow@8fig.co) and a contact form — no live chat or phone option is advertised.
- Cost may exceed traditional financing. A flat fee of $6,000 to $10,000 per $100,000 is competitive for revenue-based financing, but is higher than what you’d pay on a traditional bank loan if you qualified for one.
8fig funding details
| Feature | Details |
|---|---|
| Funding type | Revenue-based financing (Growth Plan) |
| Cost of capital | $6,000 to $10,000 per $100,000 funded (fixed flat fee; no APR or interest rate) |
| Funding amount | No stated maximum; determined by your revenue and goals |
| Repayment terms | Personalized schedule; adjustable in real time |
| Turnaround | Funding offer in approximately 24 hours after completing onboarding |
| Credit check | None — does not affect credit score |
| Collateral required | No |
| Equity required | No — non-dilutive |
| Minimum annual revenue | $100,000+ |
| Minimum avg. monthly revenue (last 3 months) | $12,000+ |
| Minimum time in operation | 6+ months in business |
| Availability | United States and Canada (excluding Quebec) |
| Supported platforms | Amazon, Shopify, eBay, BigCommerce, WooCommerce, Wix |
| Eligible business types | Private label and wholesale eCommerce sellers only |
| Not eligible | Dropshippers, sole proprietors, non-eCommerce businesses |
| Fees | No separately disclosed fees; cost is the flat cost-of-capital structure above |
8fig contact info
| Channel | Details |
|---|---|
| grow@8fig.co | |
| Phone | Not listed |
| Customer service hours | Not listed |
| facebook.com/8fig.co | |
| X (formerly Twitter) | twitter.com/eightfig |
| linkedin.com/company/8fig | |
| instagram.com/8fig.co |
How to qualify for 8fig
8fig discloses clear eligibility criteria on its website. To qualify, your business must meet all of the following:
- 6+ months in business
- $100,000+ in annual revenue
- $12,000+ average monthly revenue over the past three months
- Business based in the United States or Canada (excluding Quebec)
- Must sell on a supported platform: Amazon, Shopify, eBay, BigCommerce, WooCommerce, or Wix
- Must operate as a private label or wholesale seller — dropshippers and sole proprietors are not eligible
No credit check is required. 8fig evaluates your business by connecting to your online store and bank account to review sales history. This does not affect your credit score.
How to apply
Getting funded through 8fig is a fully online process with three steps.
- Create a profile. Provide basic details about your business and connect your store.
- Fill out the funding application. Share your supply chain stages, upcoming expenses and funding goals. Connect your bank account so 8fig can review your sales history.
- Receive your offer and get funded. 8fig’s AI builds a personalized Growth Plan showing your full cost of capital and proposed disbursement schedule upfront. Once you accept the offer, capital is released in stages aligned to your supply chain. You can request adjustments to your disbursement or remittance schedule at any time after activation.
How 8fig compares to other lenders
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8fig reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | F |
| BBB customer reviews | 1.2 out of 5 stars, based on 5 customer reviews |
| Trustpilot Score | 3.8 out of 5 stars, based on 268 customer reviews |
| Customer reviews verified as of | 12 May 2026 |
8fig’s BBB F rating reflects unresolved complaints rather than sheer volume — recurring issues include mid-cycle disbursement freezes without warning, UCC liens that reviewers say stayed active after balances were settled and last-minute plan revisions that left supply chains exposed.
Trustpilot is more mixed. Positive reviewers praise fast initial funding, inventory-aligned repayments, and responsive account managers. Critics echo the BBB themes: pulled disbursements, unexpected remittance withdrawals and slow support when things went wrong. Note that 8fig’s homepage only shows five-star Trustpilot reviews — the platform’s actual score is 3.8 stars.
What do people on Reddit say?
Sentiment about 8fig on Reddit is generally positive among active Amazon and Shopify sellers, with users highlighting funding speed and plan flexibility as standout advantages. Some threads raise questions about total cost compared to other financing options, particularly for sellers who might qualify for lower-rate traditional business loans.
Frequently asked questions
Your reviews
Megan B. Finder
Editor, Loans & Insurance
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