8fig Review: How to Make Money as an Affiliate

Disclosure: some links in this post are affiliate links. If you sign up through them, I may earn a commission at no extra cost to you.

What Is 8fig?

8fig is a funding company for ecommerce sellers. If you sell on Amazon, Shopify, or a few other platforms, 8fig can give you money to buy inventory, pay for shipping, or cover marketing, and then you pay it back over time with a fee.

Let's be clear up front. This is a financing product. It's not a software subscription and it's not free money. It's capital you have to repay, plus a cost. That shapes everything else in this review.

8fig was founded in 2020 and has teams in Miami and Tel Aviv. It describes itself as "AI CFO technology" plus tailored funding. In plain English, it pairs the money with planning tools that help you see what you can afford and when payments are due.

Here's what you get:

• Funding for inventory, production, shipping, marketing, and cash-flow gaps
• A personalized "Growth Plan" that shows your funding, payment schedule, and when money is released
• Continuous funding in rounds, rather than one lump sum
• A dashboard to track upcoming payments and manage your plan
• Forecasting tools based on your sales data
• No equity taken and, per 8fig, no credit check when you apply

How Does 8fig Work?

For Sellers

1. Create a profile. 8fig says this takes a few minutes.
2. Connect your store and bank account. 8fig reviews your sales history and cash flow from these connections.
3. Get an offer. The offer spells out the amount, the cost, the payment schedule, and the term before you accept. 8fig says offers can arrive the same day or within one to two days.
4. Accept and receive funds. Money can be released in stages that line up with your supply chain.
5. Repay on a set schedule. Payments are pulled from your bank account by ACH debit. You can ask to change the schedule if sales jump or slow down.

One thing worth knowing: 8fig's agreement is called a "Master Future Revenues Purchase Agreement." In other words, it's structured as buying a slice of your future revenue, not as a classic bank loan. Read that agreement carefully before you sign anything.

For Affiliates

1. Apply to 8fig's partner program. It's listed on PartnerStack, so you apply and get approved there.
2. Grab your referral link from your partner dashboard.
3. Write helpful content for established ecommerce sellers who need inventory funding.
4. Earn whatever reward the program pays when a referral qualifies. Check your dashboard for the exact terms.

8fig Pricing

Here's the honest answer. 8fig does not publish a fee rate, a percentage, or an APR on its site.

Every offer is custom. 8fig says its cost is "fixed," so you know the full cost of a plan from the start. It also says the cost of capital can vary from one funding cycle to the next.

So how do you know if it's a good deal? Compare the total fixed cost in your offer against the profit you expect from the inventory it buys. If the margin doesn't clearly cover the fee, that's your answer.

Always check 8fig's own site and your actual offer for current terms. Costs are set case by case.

Who Should Use 8fig?

Sellers

8fig is built for established sellers, not beginners. Its FAQ lists these requirements:

• A US-based, registered business
• At least 6 months in operation, with months of $8,000 or more in revenue
• Average monthly revenue of at least $12,000 over the last 3 months
• Over $100,000 in revenue in the past year
• Selling on Amazon, Shopify, eBay, BigCommerce, WooCommerce, or Wix

It is not available for dropshipping businesses, sole proprietorships, or non-ecommerce businesses. Meeting the criteria also doesn't guarantee approval.

Affiliates

It's a fit if you:

• Write for Amazon FBA or Shopify brand owners who already have sales
• Cover inventory planning, cash flow, or ecommerce finance
• Can write responsibly about money, including the risks

Pros and Cons of 8fig

Pros

• No equity given up
• No credit check to apply, according to 8fig
• Funding released in stages that match your supply chain
• Fixed cost shown up front in each offer
• Planning dashboard included
• Works across several selling platforms, not just one

Cons

• It's capital you repay with fees. If sales slow, payments still come out.
• No public pricing, so you can't compare costs until you apply
• Strict eligibility: no dropshippers, no sole proprietors, and a revenue floor
• Payments are debited from your bank account on a schedule
• If payments fail or you disconnect your accounts, the service guidelines allow 8fig to place a UCC lien on the business or redirect platform revenue
• Some details on the site don't match (for example, eligibility wording differs between pages)

8fig vs Alternatives

Funding is only one piece of running an ecommerce brand. Once you have inventory, you need to get it to customers. My ShipBob review covers outsourced fulfillment, and my Shippo review covers cheaper shipping labels.

If you sell to customers or pay suppliers in other countries, my Airwallex review explains a global business account for handling multiple currencies.

And if you're a dropshipper, 8fig isn't for you. My Spocket review is a better place to start.

How to Make Money with 8fig as an Affiliate

Commission Details

I'll be straight with you. 8fig doesn't publish its affiliate terms on its website. I couldn't find a public commission rate, cookie length, or payout schedule. The program is listed on PartnerStack, so once you're approved, check the exact terms in your partner dashboard before you build content around it.

Also check the rules on how you can describe the product. Financing offers often have stricter wording rules than software.

Content Angles That Work

1. Inventory funding explainers. Sellers search for ways to restock without running out of cash. Explain the options, including the risks, and mention 8fig where it fits.

2. Comparison posts. "8fig vs Shopify Capital" or "8fig vs Amazon Lending" catch readers who are already deciding. Be fair and point out who each option suits.

3. Seller tool stacks. Write about the tools a growing Amazon brand uses. Pair funding with analytics and repricing tools. My DataHawk review and Feedvisor review are good examples of tools you can link together in a stack post.

Keyword Ideas That Rank

• 8fig review
• 8fig vs Shopify Capital
• Amazon seller financing
• Inventory financing for ecommerce
• How to fund inventory for an Amazon business

One more tip. Your audience is smaller here, because sellers need real revenue to qualify. That's fine. Write for that reader and skip the beginners.

Common Questions About 8fig

Is 8fig legit?
It's a real company founded in 2020 and backed by venture investors. As with any financing, read the full agreement before you accept an offer.

Is 8fig a loan?
Its agreement is a future revenues purchase agreement, not a traditional loan. Either way, you repay the funding plus a fixed cost.

How much does 8fig cost?
There's no public rate. Each offer shows a fixed total cost before you accept, and the cost can change between funding cycles.

Does 8fig check your credit?
8fig says its application doesn't include a credit check and that funding won't affect your credit score.

Can dropshippers use 8fig?
No. Dropshipping businesses, sole proprietorships, and non-ecommerce businesses aren't eligible.

What are the 8fig affiliate terms?
They aren't public. Check your PartnerStack dashboard once you're approved.

Final Thoughts

8fig solves a real problem. Established sellers often need cash for inventory before the sales come in.

But it's financing, so treat it with care. The money has a cost, payments come out on schedule, and nothing guarantees the inventory will sell. It makes the most sense for sellers who know their numbers and can see clear profit after the fee.

If that sounds like your audience, it's a sensible offer to promote, as long as you're honest about the trade-offs.

See if your business qualifies for 8fig here.

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