Provider profile · 2026 edition
8fig review 2026: scores, costs and alternatives.
A funder for online sellers that covers up to 90% of supply chain costs, including inventory, through a single Growth Plan.
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A funder for online sellers that covers up to 90% of supply chain costs, including inventory, through a single Growth Plan.
8fig scores 2.0 out of 5 (40 out of 100) in the Buckingham Intelligence Trade Finance Index 2026 and ranks 13 of 14. It is strongest for online sellers funding inventory and supply chain costs, and its best criterion is speed at 4 out of 5. Not published or not stated on the pages read: legal status, facility size and tenor, funding and history and standing.
Scores from the Trade Finance Index 2026.
No award in the Trade Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 41 | 11 of 14 |
| For exporters | 42 | 13 of 14 |
| For wholesalers | 38 | 13 of 14 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Online sellers funding inventory and supply chain costs.
What 8fig publishes on its own pages, read on 21 October 2026.
A funder for online sellers that covers up to 90% of supply chain costs, including inventory, through a single Growth Plan. It publishes an indicative cost per $100,000 and clear revenue minimums but no legal entity or facility terms.
| Fact | What the provider publishes |
|---|---|
| Legal status | Not stated on the pages read; no legal entity or lender is named. |
| Products | One product, the Growth Plan: funding that 'funds up to 90% of your supply chain costs, including inventory', with a personalised remittance schedule. |
| Published cost | '8fig does not charge interest but instead Cost of Capital', a flat fee for the plan. Most 8fig sellers remit '$6,000 to $10,000 for every $100,000 included in their Growth Plan' (FAQ). No worked example. |
| Facility size and tenor | '8fig doesn't set a limit on the amount of funding.' Minimum and term length not published. |
| Speed | Offer 'either immediately or within one to two days'; 'approved and have access to funds in days'. |
| Who can apply | United States and Canada (excluding Quebec). FAQ: annual revenue over $100,000, average monthly revenue of at least $12,000 over 3 months, at least 6 valid months; other pages say one year and $8,000 a month. Amazon, Shopify, eBay, BigCommerce, WooCommerce and Wix sellers; no dropshippers or sole proprietorships. No credit check. Personal guarantee not mentioned. |
| Funding and history | Funding source and company history not published on the pages read. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: 8fig.co/faq, 8fig.co/industries/inventory-financing, 8fig.co, 8fig.co.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wayflyer | 3.9 | 1 of 14 | Inventory funding for brands and wholesalers |
| Settle | 3.2 | 2 of 14 | US consumer brands extending supplier terms to 180 days |
| Ebury | 3.2 | 3 of 14 | Unsecured import finance with FX in one account |
| HSBC Hong Kong | 3.1 | 4 of 14 | Asian traders needing letters of credit and trade loans |
| Virgin Money (Nationwide) | 3.0 | 5 of 14 | UK exporters using a UK Export Finance backed facility |
| Kriya | 2.9 | 6 of 14 | UK exporters financing invoices to overseas buyers |
| Funding Societies | 2.7 | 7 of 14 | Singapore SMEs paying overseas suppliers |
| Tradewind Finance | 2.4 | 8 of 14 | Export factoring with credit protection |
| Credlix | 2.3 | 9 of 14 | Indian exporters selling to the US and Europe |
| Drip Capital | 2.3 | 10 of 14 | Unsecured supplier payment terms for US importers |
| Clearco | 2.0 | 11 of 14 | US e-commerce brands paying overseas suppliers' invoices |
| Bibby Financial Services | 2.0 | 12 of 14 | UK exporters wanting invoice finance with bad debt cover |
| NatWest | 1.4 | 14 of 14 | UK businesses wanting a full bank trade finance range |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. 8fig is compared with its alternatives in the table above.
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