8fig Alternatives for Ecommerce Sellers: Pricing, Real User Results & Who Should Skip It (2026)

Q1: What Is 8fig and How Does Its Supply Chain Funding Model Work? [toc=Supply Chain Funding Model]

8fig is a revenue-based financing platform built specifically for Amazon, Shopify, and multichannel ecommerce sellers. Unlike lump-sum providers such as Wayflyer or Clearco, 8fig disburses capital in tranches timed to your supply chain milestones, so cash arrives when you actually need it for freight deposits, manufacturer payments, or logistics fees, rather than sitting idle in your account accruing cost.

Company Background and Timeline

Founded in 2020 in Tel Aviv, 8fig raised $140M in Series B funding and has deployed over $500M to ecommerce sellers globally. In October 2025, Australian-based NewCo Capital Group (Bizcap) acquired 8fig, a move that signals potential geographic expansion to Australia and the UK, though no official announcement has been made as of April 2026. The platform supports sellers on Amazon, Shopify, eBay, BigCommerce, WooCommerce, and Wix, with logistics integrations including ShipBob, Flexport, and Deliverr.

How the Growth Plan Works: Step by Step

8fig's core product is the Growth Plan, and the mechanics operate through a five-stage process:

1. Connect sales channels - Link your Amazon, Shopify, or other marketplace accounts so 8fig can analyze historical sales data.
2. Line Lab builds your plan - 8fig maps your supply chain into "Lines," each representing a batch of inventory with associated costs (freight, deposits, raw materials).
3. Capital disbursed in tranches - Instead of one lump sum, funding releases at each supply chain milestone: when your manufacturer ships, when freight clears customs, when inventory lands at FBA.
4. Profitability check - Before approval, 8fig runs an internal profitability assessment to ensure the Growth Plan generates positive returns based on your projected margins and repayment capacity.
5. Change Requests for real-time adjustments - If a shipment gets stuck at port or demand spikes unexpectedly, sellers can submit a Change Request to modify funding amounts or remittance schedules mid-cycle.

An adaptive funding adjuster also auto-modifies the plan based on actual vs. projected performance, reducing the risk of over-funding or under-funding a given inventory cycle.

Core Features Included

• ✅ Cash Flow Planner - Tracks inflows and outflows against Growth Plan projections in real-time
• ✅ Sales Dashboard - Includes Summary, Graph view, Forecast, Product Trends, and COGS Benchmarks
• ✅ Restock Planner - AI-driven restocking recommendations based on demand forecasting
• ✅ Sales Forecasting - Predicts revenue trends using historical data (free for all users, even without funding)
• ✅ Freight with 8fig - AI-powered freight partner matching with competitive shipping rates, payable directly from 8fig funding
• ✅ Mobile App - Manage Growth Plans, track remittances, and submit Change Requests on iOS/Android

The Tranche Model: Advantage and Tradeoff

The tranche model means capital never sits idle, reducing effective cost compared to lump-sum RBF providers where cash waits in your account while you're already paying fees on the full amount. However, this creates a dependency: you rely on 8fig's disbursement timing, and multiple Trustpilot reviews report mid-cycle freezes that disrupt supply chains at the worst possible moment.

💡 How Luca AI Helps You Evaluate Funding Decisions

Luca AI gives sellers the ability to simulate the impact of any funding decision before committing. Ask "What happens to my cash position if this supplier shipment delays 3 weeks?" and get a modeled answer in seconds. The AI layer extracts data from Shopify, Amazon, Xero, and ad platforms, synthesizes it across functions, and surfaces root causes behind cash flow gaps, so you evaluate Growth Plans with full cross-functional visibility, not just one provider's dashboard projections.

Q2: How Much Does 8fig Actually Cost? Pricing Breakdown with Worked Scenarios [toc=Pricing Breakdown]

8fig charges a one-time flat fee called the "Cost of Capital," typically 6 to 10% of the total funded amount. This is not an APR or interest rate. The fee is locked at sign-up and does not compound. Most sellers pay between $6,000 and $10,000 for every $100,000 funded.

What Determines Your Rate

Your specific percentage depends on four factors:

• Revenue history - Consistent, growing revenue for 12+ months earns lower rates
• Risk profile - Profitable businesses with diversified SKUs and healthy margins get better terms
• Funding amount - Businesses requesting $250K+ have more negotiation leverage
• Repeat customer status - Successfully completing a prior Growth Plan can improve terms on subsequent rounds

Repayment runs at 5 to 15% of daily or weekly sales until the flat fee plus principal are fully repaid.

💰 Worked Cost Examples by Funding Tier

Assumes 10% daily sales remittance. Faster sales velocity = shorter repayment window.

Cross-Provider Fee Comparison ($100K Funded)

Shopify Capital and Kickfurther (2 to 8%) are cheapest at lower tiers; Wayflyer and traditional bank loans become competitive at $500K+.

⚠️ ROI Break-Even Analysis

If you borrow $100K at 8% ($8,000 cost) and deploy it to inventory generating 25% gross margin, you need $32,000 in incremental revenue to break even on the cost of capital. At $50K/month incremental sales, break-even occurs in roughly 3 weeks. At $20K/month, approximately 6 weeks.

Hidden costs assessment: No setup fees, no per-user charges, no integration fees, no prepayment penalties. The only optional add-on is Freight with 8fig (variable, usage-based). One critical consideration: the effective APR can exceed bank financing if repayment stretches long. An 8% flat fee repaid over 4 months equates to roughly 24% annualized, while the same fee over 24 months drops to ~4% annualized.

💡 Luca AI Capital: Dynamic Pricing That Gets Cheaper

Luca AI's capital pricing is dynamic: your rate adjusts in real-time based on current business health, meaning it gets cheaper as your metrics improve. Instead of one locked rate at application, Luca offers frequent small advances ($10K to $50K), each priced at that moment's risk profile. Over 12 months, this many-small-advances model typically costs less than a single large 8fig Growth Plan at a fixed 8% rate.

Q3: Who Qualifies for 8fig? Eligibility, Application and Geographic Availability [toc=Eligibility and Application]

8fig is designed for established ecommerce sellers with proven revenue, not startups or pre-revenue brands. Here are the exact requirements and the step-by-step application process.

✅ Eligibility Requirements

Not eligible: Dropshipping businesses, sole proprietorships, and businesses based outside the US or Canada.

⏰ Application Process: Step by Step

1. Sign up and connect sales channels - Link your Amazon, Shopify, or other marketplace accounts directly through 8fig's platform.
2. 8fig analyzes your sales data - The platform reviews your revenue history, product mix, and supply chain structure to build a Growth Plan proposal.
3. Profitability check runs - An internal assessment verifies the plan generates positive returns based on your projected margins and supply chain costs.
4. Receive funding offer - Typically within 24 hours to 2 business days after completing onboarding.
5. Accept terms and sign agreement - Review the flat fee, remittance percentage, and tranche schedule.
6. First tranche disbursed - Most reviews indicate 1 to 2 weeks from application to receiving first funds.

Documents needed: Sales channel access (marketplace login), bank account connection, basic business information. No tax returns, no personal guarantees, no collateral required.

🌍 Geographic Availability

Currently, 8fig serves US and Canada only. The October 2025 Bizcap acquisition (NewCo Capital Group, headquartered in Australia) may eventually expand availability to Australia and the UK, but no official timeline has been published as of April 2026.

⚠️ Canadian Sellers: Proceed with Caution

One verified Trustpilot reviewer reported that 8fig paused funding just two days before a scheduled disbursement due to a post-acquisition policy change affecting Canadian businesses:

"8fig pause the funding 2 days prior to original agreed funding date due to we are Canadian based company and policy changed. We are asking to pay the same remittance without additional funding, without additional further notice."
Stanley 8fig - Trustpilot Verified Review

For non-US/Canada sellers seeking ecommerce funding, the geographic eligibility matrix in Q6 covers alternatives available in UK, EU, Australia, and global markets.

💡 Luca AI Capital: No Geographic Restrictions

Luca AI has no geographic restrictions on its capital offering: ecommerce businesses globally can access instant, dynamically-priced funding with no separate application process. Capital is unlocked based on real-time business performance rather than a static application submitted weeks ago, with same-day disbursal and no UCC liens.

Q4: 8fig Pros, Cons and What Real Users Say (Trustpilot, Reddit, G2) [toc=Pros, Cons and Reviews]

8fig reviews reveal a consistent pattern: the onboarding experience feels professional and the free planning tools earn genuine praise, but mid-cycle funding disruptions, UCC lien disputes, and unresponsive support dominate negative feedback. Across 14 Trustpilot reviews analyzed from the database, approximately 70% cite mid-cycle funding freezes or bait-and-switch on agreed terms as the primary complaint.

✅ Pros: What Users Appreciate

• Free planning tools are genuinely useful - Restock Planner, Sales Forecasting, and Cash Flow Tracker work even without taking funding, and are valued at $50 to $100/month standalone
• No credit check - Sellers with limited credit history or past issues can access capital without affecting their credit score
• Revenue-based repayment flexibility - Pay less during slow months, more during peak seasons. No fixed monthly obligation
• Transparent flat fee - Cost is locked at sign-up with no compounding interest or hidden charges
• 1-year free Triple Whale access - Normally $129 to $599/month, this adds $1,500 to $7,000 in annual analytics value

❌ Cons: What Users Warn About

⚠️ Mid-cycle funding freezes (~70% of negative reviews)

"Working with 8fig was one of the worst experiences I've had in e-commerce. Their model is predatory: they pulled funding the day before a scheduled transfer, leaving my supply chain hanging with no notice or support."
Ricardo 8fig - Trustpilot Verified Review

⚠️ UCC lien disputes (~40% of negative reviews)

"I have already paid these people off and they put a lien on my marketplace account. I asked for a letter of payoff and they have been lagging since November."
Bobby 8fig - Trustpilot Review

⚠️ Dashboard confusion / payday advance cycle (~30%)

"They sucker you in by saying how they will scale you big and then since you're hooked legally now, they create a disbursement and payment plan that gets extremely confusing to follow in a dashboard and you end up using the prior disbursement to cover the next, like one of those high interest payday advances."
Suckered In 8fig - Trustpilot Verified Review

⚠️ Rate escalation on subsequent rounds (~25%)

"They trick you into signing a low APR contract, and then one month into the term, they hike up the rates by offering more funds. No customer service, no phone number to call."
Khalid 8fig - Trustpilot Verified Review

Bizcap Acquisition Impact and Security Concerns

The October 2025 Bizcap acquisition has introduced uncertainty for existing users. Canadian sellers report mid-cycle policy changes freezing active Growth Plans without warning. No product roadmap or integration timeline has been publicly shared.

Security Incident: Targeted Phishing Attack

On the security front, one seller reported a highly targeted phishing attack using their specific 8fig account details, including their exact balance and the identity of an actual 8fig employee, suggesting potential internal data compromise:

"The perpetrators clearly had access to our specific account information, they knew we had requested a payoff, were aware of our balance, and used the identity of an actual 8fig employee. This strongly suggests that 8fig's internal systems were compromised."
Brian 8fig - Trustpilot Verified Review

Case Study: 7-Figure Seller Who Switched Away

A verified 7-figure Amazon seller borrowed through 8fig, experienced sudden fund pulls days before scheduled disbursements, saw the owed balance inflated to over $100,000 despite the original agreement indicating a much lower amount, and ultimately settled for $50,000 after prolonged dispute. Even after full payment, 8fig delayed filing the UCC termination and initially refused to remove the derogatory credit item.

Customer support: Email and chat only, no phone support. Multiple reviewers report multi-week response times and automated replies that don't address the specific issue. For sellers evaluating alternatives, calculating your working capital needs before committing to any provider is essential to avoid these dependency traps.

Q5. Who Should Use 8fig and Who Should Skip It? [toc=Who Should Use 8fig]

⭐ Quick Verdict

8fig occupies a narrow but real niche in ecommerce financing. It works well for a specific seller profile, but falls short for everyone else. The checklists below will help you determine, in under two minutes, whether 8fig deserves your application or whether your time is better spent elsewhere.

✅ Use 8fig If...

• ☐ You sell on multiple platforms (Amazon + Shopify + eBay or others)
• ☐ Your primary capital need is inventory purchasing, not ad spend
• ☐ You're doing $250K$2M annually with 12+ months of trading history
• ☐ You value free planning tools (Restock Planner, Sales Forecasting, Cash Flow Tracker)
• ☐ You can negotiate a rate at 6-7% (strong revenue history, repeat customer)
• ☐ You're US or Canada-based
• ☐ You can tolerate tranche-based disbursement timing, not needing all capital upfront

8fig's tranche model aligns capital to your supply chain milestones, which reduces idle capital sitting in your account and accruing effective cost. The free planning tools bundled with funding, including a year of Triple Whale analytics (normally $129$599/month), genuinely differentiate it from pure capital providers for ecommerce.

❌ Skip 8fig If...

• ☐ You're Shopify-only → Shopify Capital is cheaper (4-10%) and faster (instant approval)
• ☐ You're outside US/Canada → see geographic alternatives in Q6
• ☐ You need capital primarily for marketing → Wayflyer or Clearco are built for ad spend scaling
• ☐ You can't tolerate funding uncertainty → multiple reviews cite mid-cycle freezes and last-minute cancellations
• ☐ You need phone support → 8fig is email-only, with heavily criticized response times
• ☐ You're under $100K annual → you won't qualify
• ☐ You're a dropshipper → explicitly excluded from eligibility
• ☐ You want to stack funding sources → 8fig's UCC lien may block other lenders

The "skip" criteria aren't edge cases. Canadian sellers have reported funding paused two days before scheduled disbursement due to sudden policy changes, and multiple Trustpilot reviews describe signed agreements abandoned mid-cycle, leaving sellers financially exposed.

📊 Score Interpretation

• 5+ checks on the "Use" list = 8fig is a strong fit for your business model
• 3+ checks on the "Skip" list = explore the ranked alternatives in Q6
• Mixed results = consider stacking 8fig with a complementary provider (see Q8 for stacking strategies)

💡 Not Sure Where You Fall?

Luca AI can model your specific scenario. Connect your Shopify, Amazon, and accounting data, then ask: "Should I take $100K from 8fig at 8% given my current inventory cycle and Q4 projections?" Luca simulates the downstream cash flow impact using your actual data, identifies the root causes behind any cash flow gaps, and surfaces which funding option fits your specific situation, before you commit to a single application.

Q6. 13 Best 8fig Alternatives for Ecommerce Sellers, Ranked (2026) [toc=Best 8fig Alternatives]

With 8fig's geographic limitations (US/Canada only), tranche-based uncertainty, and mid-cycle disbursement risks documented across dozens of verified reviews, many ecommerce sellers need alternatives that better match their revenue tier, platform, and geography. Below are 13 alternatives ranked by overall fit for ecommerce sellers in 2026, with Luca AI positioned at #1 on capital metrics.

#1 Luca AI (Capital + Intelligence)

Funding model: Dynamic pricing based on real-time business health, your rate adjusts as metrics improve, not locked at a single application point. Disbursal: Same-day capital, no separate application process. Structure: Frequent small advances ($10K$50K) deployed as needed vs. one large risky draw. Terms: Non-dilutive, no equity, no personal guarantees, no prepayment penalties. Best for: Ecommerce sellers at any revenue tier who want capital pricing that rewards improving performance.

#2-#5 Revenue-Based Financing

#6-#9 Inventory and Specialty Funding

#10-#13 Marketplace-Native and Traditional

🌍 Geographic Availability Matrix

Luca AI's simplified alternative eliminates the spreadsheet comparison entirely. Connect your data sources, and Luca identifies which provider on this list matches your revenue tier, platform mix, and geography in real-time, then models the cash flow impact before you apply.

Q7. 8fig vs Wayflyer vs Clearco vs Shopify Capital vs SellersFi: Head-to-Head [toc=8fig vs Competitors]

These five comparisons cover the providers ecommerce sellers most commonly evaluate against 8fig. Each uses a different funding architecture: 8fig times capital to supply chain milestones, Wayflyer optimizes for marketing spend scaling, Clearco prioritizes approval speed, Shopify Capital embeds directly in your store, and SellersFi focuses on Amazon working capital lines. The right choice depends on what you're funding, how fast you need it, and where you sell.

8fig vs Wayflyer

Cost: 8fig 6-10% vs. Wayflyer 6-12% (similar mid-range, Wayflyer higher ceiling). Speed: 8fig 1-2 weeks vs. Wayflyer 3-5 days. Max funding: 8fig unlimited (claimed) vs. Wayflyer $20M. Geography: 8fig US/CA only vs. Wayflyer 11+ countries. Intelligence: 8fig has supply chain planning tools vs. Wayflyer has marketing analytics. Verdict: Choose Wayflyer for speed, large amounts, or non-US geography; choose 8fig for supply-chain-timed funding with planning tools.

However, both providers face reliability concerns. One Wayflyer borrower noted:

"We had gotten a batch of offers from them, which we accepted the least amount. Business turned out better than usual, and when we came back we were rejected... the underwriters are behind the scenes. If they come back with something nonsensical, which they did, you can't prove them otherwise."
Mike M Wayflyer - Trustpilot Verified Review

8fig vs Clearco vs Shopify Capital

8fig vs Clearco: Cost is comparable (6-10% vs. 6-12%), but Clearco approves in 24-48 hours versus 8fig's 1-2 weeks. Neither offers phone support, and both face heavy criticism for post-funding communication. Choose Clearco only when speed is the sole priority.

8fig vs Shopify Capital: Shopify Capital wins on cost (4-10%) and speed (instant, invitation-based) for Shopify-only merchants. 8fig only makes sense for multi-channel sellers who need planning tools alongside capital.

One Clearco user captured a common frustration:

"Sales team was great, Ops team was terrible. They pulled funds far faster than the contract stated thereby increasing the effective interest rate significantly and then could never resolve these issues."
Thomas Bishop Clearco - Trustpilot Verified Review

8fig vs SellersFi vs Bank Loans

8fig vs SellersFi: Amazon-heavy sellers may prefer SellersFi's daily payout model and 1-3 day speed; multi-channel sellers favor 8fig's planning tools. 8fig vs Bank Loans: Banks offer 3-8% APR (cheaper for strong credit) but require 6-8 weeks, collateral, and personal guarantees. 8fig is for sellers who need speed and flexibility and can't go the bank route.

⚖️ Master Comparison Table

Q8. Which Funding Fits Your Revenue Tier, Platform and Geography? Decision Guide [toc=Funding Decision Guide]

With 13+ alternatives and 8fig itself, choosing the right funding provider requires matching three variables simultaneously: your revenue tier (determines eligibility and negotiation leverage), your platform mix (determines which providers integrate natively), and your geography (eliminates providers that don't serve your market). Defaulting to a feature checklist or "cheapest option" approach ignores the critical interplay between these variables, and can lock you into a provider that doesn't fit.

💰 Revenue Tier Recommendations

The $500K-$1M tier benefits most from 8fig's planning tools. Below that, prioritize cost over tools. Above $5M, traditional bank lines offer significantly lower rates for businesses with strong credit profiles.

🛒 Platform Recommendations

• Amazon-only → SellersFi, Payability, Amazon Lending, Luca AI
• Shopify-only → Shopify Capital (cheapest), Clearco, Luca AI
• Multichannel (Amazon + Shopify + others) → 8fig, Wayflyer, Luca AI, Settle
• Marketplace-heavy (eBay, Walmart, etc.) → 8fig, Payoneer Capital Advance, Luca AI

🌍 Geography Recommendations

• US → All 13 options available (most competitive market)
• Canada → 8fig, Clearco, Wayflyer, Luca AI
• UK → Wayflyer, Uncapped, Clearco, Funding Circle, Luca AI
• EU → Uncapped, Wayflyer, Luca AI
• Australia → Wayflyer, Shopify Capital, Luca AI
• Global/other → Payoneer Capital Advance, Wayflyer, Luca AI

💸 Stacking Strategy

Using multiple providers simultaneously can optimize cost and coverage. Example stack:

1. Shopify Capital ($50K for base inventory, cheapest layer at 4-10%)
2. 8fig ($150K for supply chain scaling, tranche-timed to milestones)
3. Clearco ($50K for fast marketing capital, 24-48hr access)

⚠️ Caution: 8fig files a UCC lien which may complicate stacking with other lenders. Negotiate lien terms upfront before signing. Multiple sellers have reported difficulty obtaining additional financing while 8fig's lien remains active.

Luca AI's analytics layer can monitor ROI across stacked providers, surfacing which capital source generates the highest return per dollar deployed, turning a complex multi-provider strategy into a single, intelligible dashboard where you ask: "Which of my three funding sources is producing the best cash-on-cash return this quarter?"

Q9: Seasonal Funding Playbook: Timing Capital for Q4, Prime Day and Restocking [toc=Seasonal Funding Playbook]

It's July. Your Q4 inventory needs to ship from Shenzhen by August 15 to clear customs before October. Your best Meta campaign is generating 4.2x ROAS, but you've capped the budget because cash is locked in the last shipment sitting in transit. You need $80K in 10 days, but 8fig's tranche model won't release the next disbursement until September. Meanwhile, Shopify Capital already hit its ceiling, and Wayflyer's last offer expired 30 days ago.

⏰ Why Seasonal Sellers Get Trapped

Most RBF providers price capital on trailing 3-month performance, but seasonal businesses look weakest in Q1 to Q2 and strongest in Q3 to Q4. Funding approved in March won't reflect the revenue surge coming in November. 8fig's tranche model theoretically helps by timing capital to supply chain milestones, but verified Trustpilot reviews confirm mid-cycle freezes during the exact windows sellers need reliability most.

One verified reviewer described the pattern bluntly:

"They decided to disappear during the holidays when a deposit on Dec 28th never came in that was owed by 8fig. We were not able to pay our ads therefore were unable to spend during our busiest season."
Cesar 8fig - Trustpilot Verified Review

💸 The Hidden Costs of Mistimed Capital

• Stockouts from delayed inventory cost 2 to 5x the funding fee in lost revenue and organic ranking damage
• Missed Prime Day scaling window = 3 to 6 months of equivalent revenue lost in a single week
• CNY supplier shutdowns (Jan to Feb) require capital deployment in November to December for spring inventory orders

📅 Seasonal Funding Calendar

⚠️ The Timing Trap Most Founders Miss

The optimal application window and the optimal deployment window are rarely the same month. Applying in January to February leverages your strongest trailing metrics (post-holiday revenue), while deploying in July to August captures the manufacturing lead time for Q4 inventory. Sellers who wait until September to seek funding discover that approval timelines (1 to 2 weeks for 8fig, 3 to 5 days for Wayflyer) eat into already-tight shipping windows.

How Luca AI Eliminates Seasonal Guesswork

Luca AI gives seasonal sellers what no standalone funding provider offers: the ability to simulate your entire seasonal cycle before committing capital. Ask: "If I take $80K in July and deploy to Q4 inventory, what's my cash position in December after repayment at 10% daily remittance?" We synthesize your historical seasonality data, current ROAS, supplier payment terms, and inventory velocity into a forward-looking cash model. The AI identifies the optimal funding amount, timing, and provider combination, then pushes a customized report to your Slack or email weekly as the season progresses.

Q10: FAQ: 8fig Eligibility, Pricing, Legitimacy and Alternatives [toc=8fig FAQ]

These ten questions represent the most-searched queries about 8fig across Google, Reddit, and review platforms. Each answer is sourced from verified data and cited reviews.

⭐ Is 8fig legit?

Yes. 8fig is a venture-backed company founded in 2020 in Tel Aviv, raised $75M+ in venture funding, and has deployed over $500M to ecommerce sellers. Bizcap (NewCo Capital Group, Australia) acquired 8fig on October 21, 2025. However, Trustpilot reviews as of 2026 show a pattern of mid-cycle funding freezes, UCC lien disputes, and unresponsive support that warrant serious caution.

💰 How much does 8fig charge?

8fig charges a one-time flat fee of 6 to 10% of the total funded amount, not APR. Most sellers pay $6,000 to $10,000 per $100,000 funded. The fee is locked at sign-up and does not compound.

Does 8fig require a credit check?

No. 8fig's application process does not include a credit check and does not affect your credit score.

🌍 Can I use 8fig outside the US?

Currently, 8fig is available in the US and Canada only. The Bizcap acquisition may expand availability to Australia and the UK, but no official announcement has been made as of April 2026. One Canadian user reported funding being frozen mid-cycle due to post-acquisition policy changes.

⚠️ Is 8fig safe?

8fig uses standard platform integrations, but one verified Trustpilot reviewer reported a targeted phishing attack using their specific 8fig account details, including their exact balance and the identity of an actual 8fig employee, suggesting potential data exposure. Multiple users also report UCC liens remaining active months after full repayment.

What is the minimum revenue for 8fig?

$100K annual revenue minimum, with the ideal customer profile covering businesses doing $250K to $5M annually. At least 12 months of trading history is expected, and dropshipping businesses and sole proprietorships are explicitly excluded.

How does 8fig repayment work?

8fig takes 5 to 15% of your daily or weekly sales until the funded amount plus flat fee is fully repaid. During slow periods, you pay less; during peak seasons, payments increase proportionally. Repayment speed depends entirely on your sales velocity.

✅ Can I pay 8fig off early?

Yes. Early repayment is allowed without penalty. No prepayment fees apply. If your business has a strong sales period and you want to accelerate repayment, 8fig does not charge extra.

What happened after the Bizcap acquisition?

Bizcap (NewCo Capital Group, Australia) acquired 8fig on October 21, 2025. 8fig retains its brand and leadership while gaining access to Bizcap's capital strength and global reach. However, some Canadian users report mid-cycle policy changes freezing funding due to post-acquisition geographic restrictions. No public product roadmap has been shared.

How does 8fig compare to Wayflyer?

8fig (6 to 10% fee) focuses on supply-chain-timed tranches with free planning tools; Wayflyer (6 to 12% fee) offers a larger funding ceiling ($20M), wider geography (11+ countries), and marketing analytics tools. 8fig is US/Canada only; Wayflyer serves 11+ countries. Choose 8fig for inventory-timed capital with planning tools; choose Wayflyer for speed, scale, or non-US geography.

💸 How is Luca AI different from 8fig?

Luca AI offers dynamically-priced capital where your rate improves in real-time as your business health improves, unlike 8fig's fixed rate locked at application. Capital is disbursed instantly (same day) with no separate application process, no UCC liens, and no geographic restrictions. We are available globally, and every capital decision is backed by cross-functional intelligence that models the downstream cash impact before you deploy a single dollar.