8fig is a financial platform that provides non-dilutive capital and inventory funding for supply chains.
8fig is a financial technology platform that supplies capital solutions and automated financial management software for online commerce businesses. Founded in 2020 by Yaron Shapira, Assaf Dagan, and Roei Yellin, the company operates global teams split between Tel Aviv, Israel, where research and development take place, and Miami, Florida, which handles growth, marketing, and customer support. The service is structured to solve cash flow constraints for small and growing digital retailers by offering equity-free capital that requires no personal collateral and does not impact business or personal credit scores.
The software focuses on funding every phase of the supply chain journey for eCommerce merchants. Because online businesses must pay for raw materials, bulk manufacturing, product packaging, international shipping, warehouse storage, and marketing long before inventory reaches buyers, cash flow shortages are common. 8fig addresses this challenge by providing working capital specifically structured around supply chain timelines, allowing merchants to execute inventory orders, expand logistics capacity, and cover day-to-day operational expenses without bootstrapping from immediate sales.
The platform's application process is entirely self-serve and digital. Prospective borrowers set up an online profile in roughly 4 minutes and complete the primary funding application in about 10 minutes. 8fig integrates directly with eCommerce store systems, such as Shopify, to retrieve historical sales data and inventory metrics automatically. Applicants receive a customized funding offer in approximately 24 hours. To qualify, candidate businesses must be based in the United States or Canada, have maintained operations for at least 6 months, and meet defined monthly and annual revenue thresholds.
8fig incorporates artificial intelligence technology that functions as an automated chief financial officer for online stores. This AI tool analyzes historical sales figures, store metrics, and supply chain lead times to generate growth forecasts, potential business trajectories, and customized funding schedules. Additionally, the platform provides features like 8fig Assist to help merchants build their brands and optimize operations. Unlike rigid traditional debt financing, 8fig allows merchants to modify their funding plans and schedules when faced with logistical delays or changes in market demand.
Complementing the self-service digital software, 8fig pairs merchants with real human specialists throughout their funding journey. Account management teams include dedicated customer success leads, customer support representatives, and risk operations specialists. These professionals collaborate with store owners to adjust funding schedules, review supply chain forecasts, and provide external operational insight. This combination of software tools and expert guidance aims to give eCommerce sellers complete transparency and financial control over their operations.
Shopify store owners use 8fig to secure capital for inventory procurement and operational expenses. Online merchants connect their Shopify accounts directly to the platform, enabling 8fig to evaluate store performance, sales metrics, and product data without lengthy paperwork. Store owners access non-dilutive funds to maintain product stock, launch omnichannel strategies, and pay for early supply chain costs before items are sold.
eCommerce merchants leverage 8fig funding to prepare for surge sales during key retail periods like Q4, Black Friday, Cyber Monday, Singles Day, and Chinese New Year. Sellers secure cash flow months in advance to order larger inventory quantities, cover rising warehouse fees, and expand digital advertising campaigns. This financial buffer ensures stores maintain stock levels and capitalize on heightened holiday buyer demand without running out of working capital.
Wholesale businesses utilize 8fig to purchase large quantities of goods from manufacturers in bulk. Because wholesalers frequently sell to retailers who do not prepay for large orders, working capital becomes constrained. 8fig provides tailored capital arrangements that cover upfront manufacturing costs, enabling wholesale merchants to fulfill large bulk orders, lock in volume discounts, and scale their business operations without cash flow interruption.
Online retailers employ 8fig's funding tools to align capital disbursement with extended manufacturing and shipping lead times. Sellers face long gaps between placing factory orders and receiving inventory. 8fig provides flexible capital schedules that pay suppliers, freight carriers, and fulfillment centers on time, preventing production delays and keeping product pipelines moving smoothly through complex global logistics routes.
eCommerce sellers use 8fig working capital to manage space allocations and rising fees associated with warehouse storage. As business volume increases, merchants must rent additional storage space and handle prep services prior to packing and shipping orders. 8fig provides cash flow flexibility so merchants can handle inventory storage expenses and avoid stockouts during inventory consolidation and expansion.
Merchants selling through online trading and auction marketplaces, such as eBay, utilize 8fig to finance inventory purchases and operational expenses. Merchants can secure equity-free capital to acquire goods, cover packaging, and run marketing campaigns without relying on traditional bank loans. The platform allows marketplace sellers to respond quickly to trending product demand while maintaining complete control over company ownership.
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To qualify for funding through 8fig, a business must have been in operation for at least 6 months, meet defined average monthly revenue minimums over the preceding 3 months, and satisfy annual revenue criteria. Additionally, the applicant's business must be based in either the United States or Canada and operate within the electronic commerce sector.
No, applying for capital through 8fig does not affect your personal or business credit score. The platform evaluates funding eligibility based on your online store's operational performance, historical sales metrics, and supply chain timelines rather than conducting traditional credit bureau checks that could negatively impact your credit standing.
Creating an online account profile takes approximately 4 minutes, and completing the primary funding application takes around 10 minutes. Once an applicant submits their business details and connects their store data, 8fig processes the information using its digital system to provide a tailored funding offer within approximately 24 hours.
No, capital provided by 8fig is completely equity-free and non-dilutive. Online merchants retain full ownership of their company and all future profits without selling business shares to external investors. Furthermore, 8fig does not require merchants to pledge personal assets, collateral, or personal guarantees in order to receive working capital.
The AI CFO is an artificial intelligence technology built into the 8fig platform that acts as an automated financial management tool for eCommerce merchants. It analyzes store sales metrics, supply chain lead times, and historical data to generate financial recommendations, business growth forecasts, and operational insights for store owners.
8fig funding is structured to cover operational expenses across every stage of the electronic commerce supply chain. Online merchants can utilize the provided working capital for raw material purchases, product manufacturing, inventory packaging, freight shipping, warehouse storage fees, order fulfillment, and digital marketing or advertising campaigns to scale operations.
Yes, 8fig offers flexible funding plans that can be adjusted when supply chain circumstances change. If an online merchant experiences freight shipping delays, manufacturing slowdowns, or unexpected fluctuations in consumer sales demand, the platform allows modifications to funding disbursements and repayment schedules to maintain cash flow stability.
8fig connects directly to online storefront systems such as Shopify to extract store performance metrics, sales figures, and product information. This software integration allows 8fig to evaluate historical trends automatically, accelerate the application process, and continuously align funding plans with actual store sales without requiring manual paperwork.
In addition to its self-service software platform, 8fig assigns dedicated human specialists to support each merchant. Account teams include dedicated customer success leads, customer support representatives, and risk operations specialists who provide operational guidance, review funding plans, and answer seller inquiries throughout the duration of the financing arrangement.
8fig is designed specifically for small to mid-sized eCommerce entrepreneurs, online retail merchants, and wholesale sellers operating in the United States and Canada. Eligible businesses must have maintained active operations for at least 6 months and satisfy specified monthly and annual revenue minimums. The platform serves digital sellers across various retail sectors, including those operating custom brand storefronts, multi-channel commerce setups, and digital marketplace stores on platforms such as Shopify.
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8fig provides a digital application process that business owners complete online without manual paperwork. Users create a profile in approximately 4 minutes and fill out the funding application in roughly 10 minutes. The automated system processes store data and business metrics, eliminating lengthy traditional banking application procedures and enabling fast evaluation of financing eligibility.
The platform includes an artificial intelligence financial officer tool designed to assist online retailers with operational decision-making. The software analyzes store performance data, tracks revenue patterns, and evaluates supply chain costs to provide automated financial advice. Store owners use this AI tool to gain operational insight, optimize cash flow allocation, and navigate changing market conditions.
8fig Assist is an artificial intelligence tool within the platform that aids merchants in brand building and business development. The software assists sellers with strategic planning, inventory schedule creation, and operational optimization. By providing customized recommendations, the tool helps online retail brands structure their operations for continuous growth and market expansion.
This feature aligns capital disbursements with the specific stages of an eCommerce supply chain. Rather than releasing funds in a single rigid sum, 8fig structures funding around manufacturing, freight shipping, storage, and order fulfillment schedules. This ensures merchants have capital available exactly when supply chain payments become due.
8fig provides working capital without requiring business owners to give up equity or shares in their company. Unlike venture capital or angel investment arrangements, sellers retain full ownership of their business and future profits. Additionally, the capital is provided without requiring personal asset collateral or personal guarantees from the business owner.
The platform offers flexible funding modification options that allow merchants to adapt their financial plans as business needs change. If a seller experiences logistical delays, supply chain disruptions, or sudden surges in consumer demand, 8fig enables adjustments to repayment timelines and capital disbursements to prevent cash flow strain.
8fig connects directly to online commerce platforms such as Shopify to extract real-time sales performance, order metrics, and inventory data. This integration eliminates the need for manual record submission, allowing 8fig to evaluate historical sales trends and monitor store performance continuously throughout the funding relationship.
The platform uses machine learning algorithms to generate growth projections and potential business trajectories for online stores. By evaluating historical sales figures alongside market trends, the forecasting tool provides merchants with an external perspective on their expansion potential, helping them plan future inventory orders and marketing budgets.
Every merchant working with 8fig receives guidance from a dedicated team of specialists. This includes assigned customer success managers, customer support specialists, and risk operations leads. These experts assist store owners with navigating the platform, adjusting funding plans, and answering financial or operational inquiries throughout the partnership.
8fig's platform evaluates business metrics quickly to return customized funding offers within approximately 24 hours of application submission. This rapid turnaround time allows online retailers to address urgent inventory replenishment needs, lock in supplier orders, and capture immediate market opportunities without waiting weeks for bank approval.
The evaluation process used by 8fig allows store owners to apply for funding without affecting their personal or business credit scores. The platform assesses eligibility based on store performance, revenue metrics, and supply chain history rather than relying on strict credit bureau checks, making capital accessible to growing digital brands.
We don't publish prices: they change often and differ by country. Check current plans on 8fig's own pricing page.
8fig provides non-dilutive capital and customized funding plans tailored to individual business needs and supply chain schedules. Rates and terms are calculated based on store performance, revenue metrics, and funding requirements. The website does not publish specific pricing tiers, fee percentages, or interest rates.
8fig connects directly with eCommerce store software to evaluate sales performance and inventory data. The platform taps into store metrics to streamline the funding application and ongoing account management. Additionally, 8fig partners with eCommerce agencies and industry specialists to build funding tools for online sellers.
8fig provides merchants with both self-serve digital tools and direct human assistance. Customers are assigned dedicated team members, including customer success managers, customer support specialists, and risk operations leads, who are available to answer questions and review funding plans. Support is delivered through the online platform interface and direct communication with assigned account specialists.
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