8fig
8fig Pricing
8fig offers flexible, equity-free funding for eCommerce businesses through a Cost of Capital model instead of traditional interest rates or fixed pricing tiers.
Rather than charging monthly fees or compounding interest, 8fig applies a one-time flat fee (typically 6%-10% of the total funding amount) based on the business’s financial profile. Payments are structured as customizable remittances, allowing sellers to adjust their repayment schedules based on cash flow and supply chain needs.
Unlike revenue-based financing models that take a percentage of daily sales, 8fig provides scheduled funding tranches, ensuring businesses receive capital exactly when needed. Additionally, sellers gain access to free financial tools like Sales Forecasting, Restock Planner, and Cash Flow Tracker, enhancing financial visibility.
With no hidden fees, no personal guarantees, and continuous funding opportunities, 8fig is a powerful alternative for eCommerce sellers looking to scale without sacrificing equity or flexibility.
Table of Contents
8fig Pricing Review: A Comprehensive Breakdown
8fig is a funding and financial planning platform designed specifically for eCommerce businesses. Unlike traditional financing options, 8fig offers flexible, equity-free funding through a unique Cost of Capital model. This means there are no fixed interest rates, personal guarantees, or rigid repayment schedules. Instead, businesses receive tailored Growth Plans that align funding with supply chain needs.
In this review, we’ll provide an in-depth analysis of 8fig’s pricing structure, available free tools, and features included with their Growth Plans. The goal is to help eCommerce sellers understand how 8fig’s model works and whether it suits their business needs.
8fig Pricing Structure
No Traditional Pricing Tiers
Unlike SaaS platforms that offer fixed pricing tiers, 8fig operates on a customized pricing model based on your business’s needs. Instead of a subscription fee or interest rate, 8fig charges a one-time Cost of Capital fee on the funding you receive.
Cost of Capital Model
- Flat Fee, No Interest – The Cost of Capital is a fixed percentage of the total funding amount, typically 6% to 10% per $100,000 funded.
- No Hidden Fees – There are no additional charges such as processing fees, origination fees, or maintenance costs.
- Customizable Repayment Plans – Unlike loans with fixed monthly payments, 8fig allows businesses to adjust their repayment schedules according to cash flow.
- Example Cost Breakdown: If you receive $100,000 in funding, your total repayment would be $106,000 to $110,000 (depending on your risk profile).
8fig determines the exact Cost of Capital based on factors like revenue history, supply chain structure, and sales projections.
Free Tools and Trial Offerings
8fig provides a suite of free financial tools to help eCommerce sellers optimize their growth, even if they haven’t taken funding. These tools include:
1. Sales Forecasting Tool (Free)
- Uses AI to predict sales trends based on historical data.
- Helps businesses plan inventory and marketing budgets.
- Available for free to all sellers, whether they use 8fig funding or not.
2. Restock Planner (Free)
- Provides restocking recommendations based on projected demand.
- Prevents stockouts and over-purchasing issues.
- Also free for all sellers.
3. Cash Flow Planner
- Tracks and predicts cash flow over time.
- Allows businesses to model different funding and expense scenarios.
- Included as part of the Growth Plan package.
4. Triple Whale Subscription (Bonus Offer)
- 8fig offers one year of free access to Triple Whale, a leading eCommerce analytics tool, for businesses that receive funding.
Features Included in 8fig’s Growth Plans
When businesses receive funding from 8fig, they also gain access to a robust set of features designed to optimize growth and financial management.
1. Personalized Growth Plans
- Funds are disbursed in tranches rather than lump sums, ensuring cash flow aligns with business needs.
- Payments are adjustable based on sales performance and operational requirements.
2. Flexible Repayment Options
- No fixed interest rates or daily percentage deductions from sales.
- Businesses can modify their remittance schedules if supply chain delays or sales fluctuations occur.
3. AI-Powered Financial Planning
- Machine learning algorithms provide funding recommendations based on sales data.
- Helps sellers scale strategically by optimizing cash flow allocation.
4. Multi-Channel eCommerce Integration
- Connects with major platforms like Amazon, Shopify, and WooCommerce to analyze sales data.
- Enables automated cash flow forecasting.
5. Continuous Funding (No Cap)
- As businesses grow, they can request additional funding to scale operations.
- No hard limit on funding availability, as long as the business maintains strong performance.
8fig Pricing vs. Competitors
To put 8fig’s pricing in perspective, here’s how it compares to other eCommerce funding solutions:
| Feature | 8fig | Wayflyer | Clearco |
|---|---|---|---|
| Pricing Model | Flat fee (6%-10%) | Flat fee (2%-8%) | Flat fee (6%-12%) |
| Repayment | Custom installments | % of daily sales | % of daily sales |
| Flexibility | Adjustable payments | Adjusts with sales | Adjusts with sales |
| Free Tools | Forecasting, restock planner, cash flow tracker | Marketing analytics | Business insights |
| Personal Guarantee? | No | No | No |
Key Takeaways:
- Wayflyer and Clearco offer revenue-based financing, meaning they take a fixed percentage of daily sales, which can be unpredictable.
- 8fig’s scheduled repayments allow for better financial planning and flexibility.
- No personal guarantees required for any of these funding options.
Who Should Use 8fig?
Ideal Users
- eCommerce sellers with at least $100,000 in annual revenue.
- Businesses looking for scalable funding without giving up equity.
- Sellers who need funding for inventory, marketing, or product launches.
- Amazon, Shopify, or WooCommerce sellers managing complex supply chains.
Not Ideal For
- Brand-new startups with no sales history.
- Service-based businesses (8fig is designed for product sellers).
- Large enterprises that can qualify for low-interest bank loans.
Final Verdict: Is 8fig Worth It?
8fig provides a unique and flexible funding solution for eCommerce businesses, with a transparent Cost of Capital model instead of traditional interest rates. The platform stands out for its adjustable repayment plans, free financial planning tools, and continuous funding opportunities.
For growing eCommerce sellers who need inventory financing, cash flow support, or expansion capital, 8fig is a strong alternative to traditional bank loans or revenue-based financing.
With no hidden fees, no personal guarantees, and free tools included, it’s a solid option for businesses looking to scale efficiently.
PROs & CONs
- Transparent, flat-fee pricing (no interest)
- Highly flexible repayment options
- Free financial planning tools (Forecasting, Restock, and Cash Flow Planners)
- No personal guarantees or credit checks
- Continuous funding available
- Not available for startups with no sales history
- Limited to eCommerce businesses
If you’re a small to mid-sized eCommerce seller looking for flexible, equity-free funding, 8fig is a highly competitive choice that provides more than just capital—it also offers strategic growth planning tools to help businesses scale successfully.
Final Score: 9/10
8fig makes money by charging a flat Cost of Capital fee on the funding it provides to eCommerce businesses.
Instead of interest or recurring fees, 8fig applies a one-time fee (typically 6%-10% of the total funding amount) based on the seller’s financial profile. This fee is built into the custom repayment schedule and does not increase over time.
Since 8fig funds businesses in tranches—aligned with their supply chain needs—it earns revenue when businesses use its flexible funding model to scale operations. Additionally, 8fig offers free financial planning tools, but its primary revenue stream comes from these funding fees rather than software subscriptions.
8fig provides continuous, equity-free funding tailored to eCommerce businesses. Instead of a lump sum, 8fig disburses funds in tranches aligned with supply chain needs (e.g., inventory, logistics, marketing).
Businesses repay through scheduled remittances, which can be adjusted based on sales performance. The Cost of Capital fee (typically 6%-10%) is included in the repayment plan.
Unlike revenue-based financing, 8fig does not take a percentage of daily sales but instead allows businesses to customize their repayment schedules to maintain healthy cash flow. No personal guarantee or credit check is required, making it an accessible funding option.
No, 8fig does not charge interest. Instead, it applies a one-time Cost of Capital fee, usually 6%-10% of the total funding amount. This fee is fixed and does not compound over time. Businesses repay the funding in pre-agreed installments, ensuring transparency and predictability in financial planning.
8fig does not require a trial because all of its financial planning tools—including Sales Forecasting, Restock Planner, and Cash Flow Tracker—are free to use for all eCommerce businesses. These tools help sellers optimize growth and manage cash flow without any upfront costs.
