8fig Requirements: Revenue, Time in Business & Approval Factors
Thinking about 8fig funding for your online store? Understand its published sales thresholds, six-month operating requirement, business-model exclusions, and application process before investing time in an offer.
Not every e-commerce business qualifies for 8fig funding—even if its sales are growing. Before applying, understand the minimum revenue thresholds, operating history requirements, business-model restrictions, and financial information 8fig uses to evaluate your store.
If you're running an Amazon FBA business, Shopify brand, or another established online store, 8fig could provide growth capital to help you purchase inventory, cover supply-chain expenses, and manage cash flow.
But there is a difference between generating enough revenue to apply and running a business that qualifies for a funding offer.
8fig's published eligibility requirements include more than $100,000 in annual revenue, at least $12,000 in average monthly revenue over the previous three months, and six qualifying months of business activity. The company also reviews your business and connected financial data before determining what funding, if any, it will offer.
Here's how those requirements work—and how to determine whether applying makes sense.
8fig Requirements at a Glance
According to 8fig's official eligibility information, businesses generally need to satisfy the following conditions:
Requirement | 8fig's Published Criteria |
|---|---|
Annual revenue | More than $100,000 over the previous 12 months |
Recent monthly revenue | At least $12,000 average per month over the last three months |
Time in business | At least six qualifying months |
Qualifying month | A month generating at least $8,000 in revenue |
Business type | Established e-commerce business |
Eligible selling models | Private-label and wholesale sellers on supported platforms |
Dropshipping | Not eligible under the published FAQ |
Sole proprietorship | Not eligible under the published FAQ |
Location | Current main website targets U.S. businesses; other 8fig product pages also mention Canada |
Credit check | 8fig says its application does not require a credit check |
Account connections | Online storefront and business bank account |
Approval | Subject to individual assessment; not guaranteed |
Important: These are published eligibility criteria, not a promise of approval. 8fig may consider additional factors during its individual business review.
If you meet the financial requirements, you can explore an offer through the 8fig funding application.
Affiliate disclosure: Distilled Funding may earn referral compensation if you apply through our partner link. Approval and funding terms are determined by 8fig.
What Are the Minimum Revenue Requirements for 8fig?
8fig has two separate revenue tests: one measures your business over the previous 12 months, while the other measures recent sales activity.
That distinction matters because a business can satisfy one threshold and miss the other.
1. More Than $100,000 in Annual Revenue
8fig's current eligibility information states that applicants need to have generated more than $100,000 in sales over the previous 12 months.
This is a minimum sales-history requirement, not the amount of financing you will automatically receive.
Consider two hypothetical stores:
Store A: Generated $145,000 in revenue over the past 12 months.
Store B: Generated $85,000 over the same period.
Store A satisfies the published annual revenue test. Store B does not, even if its recent growth has been impressive.
Neither result determines whether the seller will receive an offer. The remaining eligibility criteria and financial review still matter.
2. At Least $12,000 in Average Monthly Revenue
Your most recent three months must also average at least $12,000 in monthly revenue.
You can estimate your average with this formula:
Three-month average revenue = Total revenue over the previous three months ÷ 3
For example:
Month | Revenue |
|---|---|
Month 1 | $10,000 |
Month 2 | $14,000 |
Month 3 | $18,000 |
Three-month average | $14,000 |
This business clears the $12,000 recent-sales threshold.
Notice that one month was below $12,000. The published test concerns the average across all three months, not necessarily $12,000 in each individual month.
However, this example does not prove the business qualifies overall. It must still meet 8fig's annual revenue, operating-history, and other requirements.
Can You Qualify With $100,000 in Annual Sales but Less Than $12,000 per Month?
Not under the published baseline requirements.
A business producing $150,000 annually but averaging only $9,000 monthly over the last three months does not satisfy the recent-revenue requirement.
Conversely, a relatively new store averaging $20,000 over the last three months may still fall short if its trailing 12-month revenue has not exceeded $100,000.
The key distinction: 8fig looks at both established sales history and current sales performance.
How Long Must Your Business Be Operating to Qualify for 8fig?
8fig requires at least six qualifying months of operation.
But its official FAQ adds an important definition:
A qualifying month is a month in which your business generates at least $8,000 in revenue.
That means merely registering an LLC six months ago—or opening a Shopify store and leaving it largely inactive—does not necessarily satisfy the requirement.
Consider this hypothetical sales history:
Operating Month | Revenue | Qualifying Month? |
|---|---|---|
January | $6,000 | No |
February | $9,000 | Yes |
March | $12,000 | Yes |
April | $7,500 | No |
May | $14,000 | Yes |
June | $16,000 | Yes |
July | $18,000 | Yes |
August | $20,000 | Yes |
By August, this business has recorded six months with at least $8,000 in revenue.
It therefore meets the published qualifying-month count, assuming these figures are accepted during verification.
It must still satisfy the separate annual revenue requirement and recent three-month average.
Do the Six Months Have to Be Consecutive?
8fig's FAQ describes six valid months but does not explicitly establish whether they must be consecutive.
Rather than assuming, sellers with interrupted or seasonal sales histories should confirm how 8fig counts qualifying months.
Practical takeaway: Use your actual monthly sales reports—not simply your incorporation date—to evaluate your operating history.
What Types of Businesses Qualify for 8fig Funding?
8fig is designed specifically for established e-commerce businesses that need capital aligned with inventory, supplier payments, and operating cycles.
Its official FAQ identifies private-label and wholesale sellers operating through platforms including:
Amazon
Shopify
eBay
BigCommerce
WooCommerce
Wix
The company notes that supported platforms can change.
Amazon FBA and Private-Label Sellers
An established Amazon seller with repeatable inventory sales and substantial supplier lead times may fit 8fig's model.
For example, suppose a brand needs to pay its manufacturer 60 days before the inventory reaches fulfillment centers.
Even when the product sells profitably, that gap can constrain how quickly the business restocks.
8fig's Growth Plan model is designed to align funding with supply-chain requirements and projected cash flow.
For more information about the provider's wider financing model, read our 8fig Review (2026): Ecommerce Funding, Costs, Requirements & Complaints.
Understand 8fig Funding Costs
Review 8fig's funding model, total costs, contract terms, and customer complaints before deciding.
Shopify and Direct-to-Consumer Brands
Shopify merchants may also qualify if they meet the published requirements and operate an eligible business model.
Potential financing needs include purchasing inventory, paying production deposits, covering shipping expenses, or supporting marketing campaigns around established products.
The key question isn't simply whether your business uses Shopify.
It's whether your revenue and operating data support an appropriate funding plan.
Does 8fig Fund Dropshipping Businesses?
No. 8fig's published FAQ explicitly states that it does not work with dropshipping businesses.
Sellers using a dropshipping model should not assume that meeting the sales thresholds will make them eligible.
Does 8fig Fund Sole Proprietors?
8fig's published FAQ also excludes sole proprietorships.
If you operate an online store without a separate legal business entity, verify the company's current legal-entity requirements before applying.
Forming an LLC does not automatically create eligibility. Your business would still need to satisfy the other requirements and pass the application review.
Does 8fig Fund Canadian Businesses?
8fig's current main website describes its offer as serving U.S. businesses. Another official funding page still lists the United States and Canada.
Because those public statements are not fully aligned, Canadian sellers should confirm current geographic eligibility with 8fig before applying.
What Does 8fig Look at During Approval?
Passing 8fig's minimum screening criteria is the starting point, not the entire approval decision.
8fig says it analyzes business metrics, historical sales data, financial information, and funding needs to create a customized offer.
Its assessment is organized around the commercial realities of an online seller.
1. Verified Store Revenue
8fig requires applicants to connect their online store so that it can verify reported sales performance.
The company's funding model uses this information to evaluate the business and prepare an offer.
Sellers should therefore expect the application to rely on actual platform data—not just the revenue number entered into a form.
2. Business Banking and Cash Flow
8fig also requires a connection to the applicant's bank account.
This provides additional financial information for its eligibility review and customized funding plan.
A store can generate substantial revenue and still experience cash-flow pressure from supplier payments, advertising expenses, refunds, or other operating obligations.
Operator recommendation: Before applying, understand how much cash remains available after inventory costs, fulfillment expenses, advertising, returns, and existing financing payments.
8fig does not publish a universal minimum profit margin or cash-balance threshold in the eligibility information reviewed for this article.
3. Business History and Sales Patterns
Historical performance is part of 8fig's published evaluation approach.
Steady sales, unexpected changes in revenue, seasonal demand, and the relationship between recent and longer-term performance are useful figures to understand before applying.
That does not mean 8fig has publicly disclosed a specific approval formula or assigns a fixed score to each of those factors.
The company does not publish a complete underwriting scorecard.
4. Funding Purpose and Growth Plan
8fig positions its financing around business growth and operating needs.
Its Growth Plan can account for funding releases and payments aligned with the seller's commercial cycle.
A useful application should therefore be based on a clearly defined capital requirement.
For example:
You sell a profitable product but need $40,000 for a larger reorder. Your supplier requires a deposit, production takes several weeks, and marketplace payouts arrive after sales are completed.
That is a specific financing problem with identifiable costs and timing.
Compare it with a business requesting $40,000 simply because its bank account is running low, without knowing whether its products are profitable.
The two businesses may have similar sales revenue but very different financing needs.
The better question isn't merely "How much can I get?" It's "What funding amount can my business productively use and sustainably repay?"
Does 8fig Check Your Credit Score?
According to 8fig's official FAQ, its application does not include a credit check, and applying does not affect your credit score.
Instead, 8fig emphasizes business history, sales revenue, and connected financial data.
This does not mean approval is automatic—or that credit-related obligations and contract terms can be ignored.
No credit check is not the same thing as no underwriting.
It is also worth confirming the current terms of your specific offer, including any reporting provisions, guarantees, security interests, or remedies following default.
A financing agreement can create meaningful business obligations regardless of whether the initial application affects your credit score.
What Documents and Information Should You Prepare Before Applying?
8fig's published application process involves providing business details and securely connecting the relevant e-commerce and banking accounts.
Beyond those required connections, preparing a clear financial picture can reduce confusion when evaluating an offer.
Pre-Application Checklist
Calculate your trailing 12-month sales. Confirm that revenue exceeds $100,000.
Calculate your last three months' average sales. Confirm that the average reaches at least $12,000.
Count your qualifying operating months. Identify at least six months with $8,000 or more in sales.
Confirm your business model and legal structure. Check that you do not fall into 8fig's published dropshipping or sole-proprietor exclusions.
Prepare your store and banking connections. Be ready to connect your supported selling platform and bank account securely.
Define the funding requirement. Determine the amount needed, intended use, timing, and projected business benefit.
Understand your existing commitments. Review current financing payments, supplier obligations, and cash available for operations.
Supplier invoices, purchase-order schedules, inventory forecasts, and profitability reports can be useful preparation for your own financing analysis.
These additional records are recommendations, not a claim that 8fig requires every document to be uploaded with an application.
8fig Eligibility Examples: Which Sellers Pass the Initial Screening?
The following hypothetical businesses demonstrate why meeting just one headline requirement isn't enough.
Seller Profile | Annual Revenue | Last 3 Months' Average | Other Conditions | Initial Screening |
|---|---|---|---|---|
Established private-label brand | $250,000 | $19,000 | 12 qualifying months; eligible structure | Meets stated baseline |
Fast-growing new store | $90,000 | $22,000 | Only five qualifying months | Below baseline |
Established but slowing seller | $175,000 | $10,000 | Eight qualifying months | Below recent-sales threshold |
High-volume dropshipper | $400,000 | $30,000 | Dropshipping model | Excluded under FAQ |
These examples are educational illustrations, not actual 8fig applications or approvals.
A seller who clears the public screening thresholds may still be declined, offered less funding than requested, or receive terms that do not fit the business.
How Does the 8fig Application and Funding Process Work?
8fig describes a digital process involving three general stages.
Step 1: Create Your Business Profile
You provide basic business information to begin the process.
Step 2: Connect Your E-commerce and Financial Accounts
8fig uses connected account information to evaluate your business and develop a potential funding offer.
Step 3: Review the Proposed Growth Plan
If eligible, you can review a funding proposal outlining the amount, cost, term, and payment schedule before deciding whether to proceed.
8fig's current homepage advertises offers in six hours or less, while some other official product materials still describe a 24–48-hour offer window.
These are provider-advertised targets, not guaranteed turnaround times.
Receiving an offer is also different from receiving money in your bank account. Actual funding timing depends on completing the applicable review and funding requirements.
How Much Funding Could You Qualify For?
8fig advertises individualized funding offers rather than a guaranteed amount based solely on annual revenue.
The amount available depends on its assessment of your business, verified information, funding needs, and the terms offered.
A $250,000 annual-revenue business should not assume that 8fig will automatically advance $250,000.
What Should You Check Before Accepting an 8fig Offer?
Eligibility is only half the decision.
A business that qualifies for capital can still accept a financing arrangement that places unnecessary pressure on future cash flow.
Before signing, examine these five areas:
1. Total financing cost
8fig describes its cost of capital as fixed. Review the total dollar cost, total scheduled payments, and any additional contractual charges.
A fixed fee is not automatically equivalent to a low annualized borrowing cost.
2. Payment frequency
Understand whether your offer involves daily, weekly, or another remittance schedule.
8fig describes customized remittance plans and the ability to request changes. Do not assume payments automatically decrease whenever revenue declines unless the agreement specifically provides for that.
3. Cash-flow pressure
Model whether your business can maintain inventory purchases and essential expenses while meeting the proposed payments.
4. Changes to the funding plan
Clarify whether payment-date changes, funding adjustments, or other modifications require approval—and whether additional costs apply.
5. Default, security, and termination provisions
Read the agreement for applicable default triggers, remedies, authorizations, guarantees, security interests, and early-payment treatment.
An offer with attractive headline pricing can still be unsuitable if the contract creates obligations your business cannot comfortably support.
For a broader look at funding costs, potential complaints, and product tradeoffs, see our full 8fig review.
Real-world example: Glitch Energy and 8fig. Glitch Energy's decision to pursue 8fig funding rather than a seven-figure venture capital deal offers another perspective on financing growth. Watch the story, then consider how funding costs, payment obligations, and ownership fit your own business.
Is 8fig the Right Funding Option for Your Business?
8fig's published criteria suggest its funding model is most relevant to established online sellers with measurable sales, identifiable growth needs, and recurring inventory or operating expenses.
8fig May Be Worth Exploring If:
Your business satisfies the published revenue and operating-history requirements.
You operate an eligible e-commerce business model.
Your store has an established sales record.
You need capital for inventory, supply-chain expenses, or identifiable operating needs.
You can evaluate whether the proposed payment schedule fits your cash flow.
8fig May Not Be the Right Fit If:
Your business is still pre-revenue or very early stage.
Your sales fall below the published thresholds.
You operate a dropshipping business or sole proprietorship.
You need financing for a non-e-commerce business.
Your products lack sufficient margins to support additional financing costs.
You want a conventional long-term bank loan rather than customized short-term business funding.
Growth capital without giving up ownership? Qualifying for funding is one decision. Choosing between non-dilutive capital and outside investors is another. This video explores why an e-commerce founder might consider financing instead of selling equity—and the tradeoffs worth examining.
What If You Don't Meet 8fig's Requirements?
Failing 8fig's initial screening does not mean every financing route is unavailable.
It means you should look for a product that better matches your actual business profile and funding need.
For example:
If your store is still building sales history: Focus on stronger operating data, consistent revenue, and a proven product before seeking substantial growth financing.
If your principal problem is marketplace payout timing: Consider whether a payout-acceleration product is more appropriate than taking on a larger funding commitment.
If you need general-purpose working capital: Compare e-commerce financing options by eligibility, cost, payment frequency, and permitted uses.
If you're financing Amazon inventory: Evaluate marketplace-linked financing and other inventory funding models.
For a practical comparison, see:
Compare Seller Funding Models
See how three seller-financing approaches differ in eligibility, timing, and capital use.
Explore Amazon Funding Alternatives
Compare funding options that may fit Amazon sellers needing inventory or operating capital.
The goal isn't to find someone willing to advance money at any cost. It's to match the capital structure to the business's cash-flow problem.
Frequently Asked Questions About 8fig Requirements
What is the minimum annual revenue for 8fig?
8fig's current published eligibility criteria require more than $100,000 in annual revenue over the preceding 12 months. Applicants must also meet its recent monthly revenue, operating history, and other screening requirements.
How many months must I be in business for 8fig?
8fig requires at least six qualifying months of business activity. Its FAQ defines a qualifying month as one generating at least $8,000 in revenue. A business registration date alone does not establish that requirement.
Does 8fig require $12,000 in sales every month?
The published criterion is an average of at least $12,000 per month over the previous three months. An individual month below $12,000 does not necessarily cause the average to fail, although 8fig may consider the broader sales history in its review.
Does 8fig require good personal credit?
8fig's official FAQ says its application does not include a credit check. The company emphasizes business revenue, operating history, and connected financial data instead. Meeting those criteria still does not guarantee a funding offer.
Can a new Shopify store qualify for 8fig?
A newly launched Shopify store generally will not meet the published requirements until it has generated sufficient annual revenue, recorded at least six qualifying months, and satisfied the recent-sales threshold.
Does 8fig accept Amazon FBA sellers?
Yes. 8fig lists Amazon among its supported platforms and identifies experienced private-label and wholesale sellers as potential applicants. Actual eligibility depends on the business model, verified sales, and individual assessment.
Does 8fig require bank statements?
8fig requires applicants to connect their bank account and online store as part of its application review. Its published FAQ does not establish that every applicant must separately upload a fixed number of PDF bank statements.
Can I get approved for 8fig with bad credit?
8fig states that its application does not involve a credit check, so the publicly stated screening process focuses on business information rather than a published minimum personal credit score. That does not mean bad-credit applicants are guaranteed approval or that contract obligations are irrelevant.
Does meeting every 8fig requirement guarantee funding?
No. 8fig explicitly states that additional criteria may be considered during an individual review. The company determines whether to make an offer, the amount available, and the applicable terms after evaluating the business.
Bottom Line: Check the Numbers Before You Apply
8fig's eligibility rules are reasonably specific.
You generally need more than $100,000 in trailing annual revenue, at least $12,000 in average monthly sales over the past three months, and six qualifying months with at least $8,000 in revenue each.
You also need an eligible e-commerce business model and the ability to provide connected financial information for review.
But eligibility isn't a financing strategy.
The real goal is to secure capital that solves a specific inventory or cash-flow constraint without creating a bigger one.
If your business meets the published requirements and you have a clear use for additional capital, the next step is to review your options.
Review any proposed costs, remittance schedule, and contractual obligations before accepting an offer.
Additional Resources
8fig Official Funding Eligibility and FAQ — Published eligibility rules, application details, supported businesses, and account connections.
8fig Official Funding Overview — Growth Plan structure and funding process.
8fig Official Website — Current product information and application details.
Distilled Funding: 8fig Review (2026) — Broader analysis of the financing product, pricing, and considerations.
Disclaimer: This content is provided for general educational purposes and is not individualized financial, legal, or tax advice. Funding eligibility, availability, costs, and terms may change. Review the current provider requirements and your actual agreement before making a financing decision.
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