8fig vs SellersFi: Which Ecommerce Funding Fits?
Your supplier wants a deposit today. Amazon pays later. Your advertising budget is already committed, and your next inventory order isn't getting any cheaper.
The problem isn't necessarily a lack of sales. It's that your cash leaves the business long before the next inventory cycle generates revenue.
In the 8fig vs SellersFi comparison, 8fig is generally the stronger fit for ecommerce sellers who want recurring capital scheduled around inventory and supply-chain expenses. SellersFi is generally the stronger fit for established sellers who want broader working capital for inventory, advertising, product development, and other operating expenses.
Neither is automatically cheaper. The better option depends on your actual offer, repayment obligations, and cash-conversion cycle.
Both companies specialize in ecommerce funding, but the way they structure financing can change how much usable cash remains in your business.
Here's how to make the comparison without financing your next stockout into an even bigger cash-flow problem.
Affiliate disclosure: Distilled Funding may receive compensation when readers apply for financing through certain partner links or offers. Compensation does not determine eligibility, approval, pricing, or our editorial conclusions. Financing availability and terms are subject to provider approval.
8fig vs SellersFi: At-a-Glance Comparison
Feature | 8fig | SellersFi |
|---|---|---|
Primary offering | Customized Growth Plan with ongoing capital | Working Capital and other ecommerce financing solutions |
Best suited for | Planned inventory orders and recurring supply-chain expenses | Inventory, advertising, launches, and general business working capital |
Published funding amount | Customized; no standard maximum listed in its FAQ | $5,000–$2.5 million on its current Working Capital page |
Minimum operating history | Six qualifying revenue months | Six months of sales history |
Published revenue requirement | More than $100,000 annually and at least $12,000 average monthly revenue over the past three months | At least $20,000 in monthly net sales |
Repayment structure | Personalized remittance schedule, with adjustments subject to provider agreement | Agreed percentage deducted from marketplace payouts for Working Capital |
Published term | Customized Growth Plan | Three to 15 months for Working Capital |
Credit inquiry | 8fig says its application does not include a credit check | SellersFi says it uses a soft credit inquiry |
Funding timing | Personalized offer generally advertised in 24–48 hours | Approval advertised in as fast as 48 hours; disbursement depends on final approval and processing |
Geographic reach | United States and Canada shown on funding page | Depends on product and business eligibility; confirm before applying |
Pricing | Fixed cost determined by individual offer | Product-specific pricing determined by individual offer |
Primary drawback | Requires detailed planning around future remittances and inventory cycles | Marketplace payout deductions can reduce available cash after each settlement |
Source: 8fig funding, 8fig FAQ, and SellersFi Working Capital. Provider terms reviewed November 2026. Published figures are not guaranteed offers.
Quick verdict: Start with 8fig if your central challenge is funding repeated inventory commitments. Start with SellersFi if you're financing several business needs at once. Compare written offers before choosing either.
What Is 8fig, and How Does Its Funding Work?
8fig is an ecommerce funding provider built around its Growth Plan model.
Instead of treating every funding need as an unrelated loan application, 8fig focuses on creating a financing schedule that reflects how an online seller buys inventory, pays suppliers, receives products, and converts those products into sales.
A typical ecommerce inventory cycle might look like this:
Pay a manufacturer to begin production.
Pay the remaining supplier balance before shipment.
Cover freight, customs, and fulfillment expenses.
Launch or replenish inventory.
Collect revenue through Amazon, Shopify, or another sales channel.
That creates multiple cash requirements before the business collects the full value of its sales.
8fig's Growth Plan is designed to align financing disbursements with those expenses. The company says merchants can discuss changes to upcoming funding dates and remittance schedules as circumstances change.
This is useful for sellers whose capital needs are predictable in purpose but irregular in timing.
How Much Funding Does 8fig Offer?
8fig does not publish a universal maximum funding amount in its FAQ.
Instead, applicants identify their financing needs, and 8fig evaluates the business and proposed growth plan before determining the available capital.
That does not mean unlimited guaranteed funding. It means the provider evaluates the requested amount individually.
What Are 8fig's Requirements?
According to its published FAQ, applicants generally need:
👉 More than $100,000 in annual ecommerce revenue.
👉 At least six qualifying months of operation, with each qualifying month generating at least $8,000.
👉 Average monthly revenue of at least $12,000 over the preceding three months.
👉 An eligible ecommerce business model and supporting sales records.
8fig says it supports experienced private-label and wholesale merchants using platforms such as Amazon, Shopify, eBay, BigCommerce, WooCommerce, and Wix.
Its FAQ specifically excludes dropshipping businesses and sole proprietorships.
The company's funding page lists businesses based in the United States and Canada, although applicants should confirm availability for their particular entity and jurisdiction.
How Does 8fig Repayment Work?
8fig uses a customized remittance schedule based on the Growth Plan, funding amount, and sales projections.
The company says merchants may request adjustments when sales increase or decrease significantly. Its funding page also discusses modifying scheduled funding dates and remittance amounts.
However, a request to modify payments is not the same as an automatic payment reduction.
Before accepting an offer, ask whether remittances are fixed, automatically variable, or adjustable only after the provider approves a change.
That distinction matters if a shipment is delayed or a major product launch underperforms.
8fig Pros and Cons
Advantages
✅ Funding can be organized around multiple inventory and supplier-payment milestones.
✅ Customized plans may be useful for recurring purchase orders.
✅ The provider does not require a credit check during its stated application process.
✅ Merchants can request adjustments to funding and remittance schedules.
✅ Funding is designed specifically for ecommerce supply-chain cycles.
Limitations
❌ The business must meet meaningful revenue and operating-history requirements.
❌ Dropshippers and sole proprietors are excluded under published criteria.
❌ Pricing requires an individualized offer.
❌ A projected sales plan is not a guarantee that actual sales will support every remittance.
❌ Funding flexibility still depends on the agreement and provider approval.
Best for: Established ecommerce brands with repeatable inventory demand, predictable supplier milestones, and enough financial reporting to build a realistic purchasing plan.
Not for: Pre-revenue stores, casual dropshippers, and businesses without a credible way to forecast inventory turnover.
For a more detailed review of its standalone offering, read our 8fig Review (2026): Legit Ecommerce Funding or Overhyped?.
What Is SellersFi, and How Does Its Funding Work?
SellersFi offers ecommerce financing designed to support a wider set of business expenses.
Its Working Capital product can be used for inventory purchases, advertising, research and development, product launches, expansion, and other legitimate business purposes.
This makes SellersFi especially relevant when your biggest financing problem isn't one supplier invoice.
Maybe you have inventory arriving next month, need an advertising budget to sell it, and want to develop another product line before your competitors do.
Those are connected growth expenses, but they don't all occur at the same stage of the inventory cycle.
SellersFi's Working Capital model is built to provide capital that the merchant can deploy across those business needs.
How Much Does SellersFi Offer?
SellersFi's current Working Capital page advertises:
Product detail | Published information |
|---|---|
Working Capital amounts | $5,000–$2.5 million |
Funding term | Three to 15 months |
Approval | As fast as 48 hours |
Fund usage | No general business-use restrictions within the stated product |
The published range is a product offering, not a promise that every applicant can borrow up to $2.5 million.
The actual amount, term, and repayment requirements depend on underwriting and the final proposal.
What Are SellersFi's Requirements?
SellersFi's current Working Capital page identifies these baseline conditions:
At least six months of ecommerce sales history.
At least $20,000 in monthly net sales.
Marketplace or ecommerce payments received in U.S. dollars.
A company in good standing.
Successful completion of its application and underwriting process.
SellersFi says it reviews owner or shareholder credit through a soft inquiry, which generally does not affect the applicant's credit score.
The company also asks applicants to connect their stores, allowing it to review ecommerce performance and determine eligibility.
Important: An older SellersFi FAQ describes the $20,000 monthly sales threshold using a three-month average. The current Working Capital page states the requirement more generally. Applicants near that threshold should confirm how the provider measures eligible net sales.
How Does SellersFi Repayment Work?
SellersFi says its Working Capital product collects an agreed percentage of marketplace deposits.
The merchant designates a collection account, marketplace payouts are directed to that account, and SellersFi deducts the percentage established in the accepted proposal.
This has an important cash-flow implication.
If marketplace settlements fall, deductions based on those settlements may also be smaller. But the agreement still determines what is owed, the repayment obligations, and how shortfalls or defaults are handled.
Do not assume that a percentage-based collection arrangement eliminates repayment risk.
Also, SellersFi offers other financing structures. A term loan, credit line, or other financing product may have materially different payment requirements from its Working Capital offering.
SellersFi Pros and Cons
Advantages
✅ Funding can support a broad set of business expenses.
✅ Published Working Capital amounts cover relatively small through substantial financing needs.
✅ The provider advertises fast approval for qualified applicants.
✅ Marketplace payout-based collection may align remittances with settlement activity.
✅ A soft credit inquiry is used during the published Working Capital application process.
Limitations
❌ The monthly sales requirement excludes many younger or smaller stores.
❌ The actual cost cannot be established without a specific proposal.
❌ Marketplace payout deductions reduce the cash available for other operating expenses.
❌ Applicants may need to redirect marketplace deposits to a designated collection account.
❌ Different SellersFi products can have different repayment terms, fees, and legal obligations.
Best for: Established Amazon and direct-to-consumer businesses that need capital for inventory, advertising, expansion, or multiple operating expenses.
Not for: Merchants without adequate sales history, stores whose margins cannot absorb funding costs, or businesses that cannot accommodate the required collection arrangement.
8fig vs SellersFi: Which Is Better for Inventory Financing?
For recurring inventory purchase orders, 8fig has the clearer planning-oriented proposition. For an urgent inventory purchase that is part of a broader working-capital need, SellersFi may be the more practical option.
The difference becomes easier to understand through three examples.
Scenario 1: A Shopify Brand With Multiple Supplier Payments
An established skincare brand must pay:
$25,000 to start production.
$20,000 when manufacturing finishes.
$10,000 for freight and fulfillment.
Additional advertising expenses after stock arrives.
The supplier payments are scheduled, and the company expects several similar orders over the next six months.
Likely starting point: 8fig.
The Growth Plan model is specifically designed to coordinate capital with supply-chain costs.
But the merchant should compare the exact funding dates with its supplier contract and ask what happens if manufacturing or shipping is delayed.
SellersFi still deserves consideration if its total financing cost or payment structure is more favorable.
Scenario 2: An Amazon Seller Expanding Beyond Inventory
An Amazon brand has steady sales but needs:
$40,000 for a replenishment order.
$15,000 for advertising.
$10,000 for packaging and product development.
Extra cash to support an expansion into direct-to-consumer sales.
Likely starting point: SellersFi.
The financing need is broader than a single supply-chain plan. SellersFi explicitly permits Working Capital use across inventory, advertising, and other business expenses.
8fig may still be suitable, but the merchant should verify that its proposed Growth Plan can accommodate the full spending strategy.
Scenario 3: A Seller Facing Marketplace Payout Delays
A brand has already sold its products but cannot immediately access the corresponding marketplace payouts.
Its primary problem is not financing future production. It is collecting cash from sales already made.
Neither 8fig nor SellersFi is automatically the first solution to investigate.
An accelerated payout or receivables-based product may fit better if the amount required is modest and the cash delay is short.
Our Payability Review (2026) explains that category and the tradeoffs.
The lesson: Finance the actual bottleneck. Don't take six months of capital when the problem is a two-week settlement delay.
8fig vs SellersFi: Which Has Lower Fees?
There is no defensible universal winner on cost.
8fig says its Growth Plan has a fixed financing cost disclosed in the offer. SellersFi prices financing according to the product and the applicant's qualifications.
Neither published product page establishes a reliable, universally applicable price that allows a fair apples-to-apples comparison for every merchant.
That means statements such as “SellersFi is always cheaper” or “8fig charges less than a traditional loan” should not be treated as facts.
Compare the Dollars, Not Just the Advertised Percentage
Imagine two hypothetical financing proposals for the same $100,000 requirement:
Example | Offer A | Offer B |
|---|---|---|
Funding amount | $100,000 | $100,000 |
Total financing charges | $8,000 | $11,000 |
Total contractual repayment | $108,000 | $111,000 |
Repayment period | 6 months | 12 months |
These are fictional examples to illustrate comparison methodology, not actual offers from 8fig or SellersFi. They exclude additional fees and any differences between stated advance amounts and net funds disbursed.
Offer A costs fewer dollars, but it also demands repayment over a much shorter period.
If the business has an extended inventory cycle, the faster repayment obligation may create more pressure than the higher-cost alternative.
On the other hand, if products sell quickly and cash returns sooner than expected, a shorter term may be manageable.
Neither the total fee percentage nor the term tells the whole story.
For comparable financing proposals, ask for an APR or appropriately calculated annualized cost where applicable, and review the actual payment schedule. A flat financing fee is not automatically equivalent to the same percentage expressed as APR.
Seven Questions to Ask Before Accepting Either Offer
How much cash will actually reach my bank account? Distinguish gross financing amounts from net proceeds after any deductions.
What is the total dollar cost? Include financing charges, origination fees, servicing charges, and other disclosed costs.
When are payments collected? Daily, weekly, monthly, or as a percentage of marketplace deposits?
What happens when sales decline? Does the payment adjust automatically, require approval, or remain unchanged?
Can the financing be repaid early? Will early repayment reduce the total cost, or are charges already fixed?
Does the agreement require a personal guarantee or security interest? Review applicable collateral, UCC, and default provisions.
What happens if I already have funding? Ask whether stacking, additional borrowing, or marketplace account changes violate the agreement.
A funding offer should solve a cash-flow problem, not replace it with a payment problem.
How Do Repayments Affect Your Ecommerce Cash Flow?
Consider an Amazon seller receiving $80,000 in marketplace deposits during a typical month.
Suppose, purely for illustration, that a financing agreement deducts 15% of those deposits.
That would redirect $12,000 per month toward the financing obligation, leaving $68,000 of those deposits before the seller pays inventory costs, advertising, payroll, software, taxes, and other expenses.
That 15% is a hypothetical illustration, not a quoted SellersFi or 8fig repayment rate.
A merchant with a 30% gross margin may find that reduction more manageable than a reseller operating on substantially thinner margins.
The key is to forecast how much unrestricted cash remains after each remittance, not simply whether projected revenue is high enough to qualify.
Use a 13-Week Cash-Flow Forecast
Before applying, map the next 13 weeks of cash activity:
Forecast line | What to include |
|---|---|
Opening cash | Actual unrestricted bank balance |
Marketplace receipts | Expected settlement dates, not just booked sales |
Supplier payments | Deposits, balances, and recurring purchase orders |
Shipping and fulfillment | Freight, duties, storage, and platform charges |
Advertising | Committed campaigns and planned spend |
Operating expenses | Payroll, rent, software, taxes, and other obligations |
Financing receipts | Amounts and dates that the provider has actually committed to |
Financing repayments | Contractual payments or reasonable payout-based projections |
Ending cash | Remaining cash after all inflows and outflows |
Then stress-test the forecast.
What happens if sales are 20% lower than expected? What if inventory arrives four weeks late? What if advertising costs rise without producing additional conversions?
If the forecast turns negative under a realistic downside scenario, the proposed financing may be too aggressive.
Which Is Better for Amazon Sellers? What About Shopify?
Both providers serve ecommerce businesses, but platform compatibility alone is not enough to identify the better option.
Amazon Sellers
Amazon sellers often contend with inventory lead times, advertising costs, marketplace fees, and settlement schedules.
Choose the provider based on which expense is driving the cash gap.
Repeated private-label inventory production: investigate 8fig.
Inventory plus advertising and product launches: investigate SellersFi.
Delayed proceeds from inventory already sold: evaluate accelerated payout products as well.
For a wider set of alternatives, see our Amazon Lending Alternatives (2026).
Shopify and Direct-to-Consumer Brands
Shopify merchants face many of the same inventory issues, but may have additional exposure to paid customer acquisition, returns, fulfillment costs, and payment processing.
8fig may fit merchants whose main concern is coordinating repeat supplier orders.
SellersFi may fit merchants who need more general-purpose capital to support marketing, inventory, and expansion together.
If Shopify Capital is unavailable or unsuitable, our Shopify Capital Denied? 7 Funding Alternatives compares other possible funding paths.
Multi-Channel Sellers
For merchants operating across Amazon, Shopify, and other platforms, ask each provider how it evaluates combined revenue and account activity.
Also determine which marketplace payouts or bank accounts would be subject to collection arrangements.
A multi-channel business can look profitable in aggregate while facing severe cash shortages on one platform.
Who Should Choose 8fig?
8fig is worth considering when:
You operate an established ecommerce brand with recurring inventory orders.
You can document supplier lead times, margins, and expected sales.
You need capital at multiple stages of a production or shipping cycle.
You value a customized funding plan over a single general-purpose advance.
You can support the proposed remittance schedule even if sales fluctuate.
Look elsewhere when:
You run a dropshipping business or sole proprietorship, which 8fig's published FAQ excludes.
Your revenue falls below its current minimum requirements.
You cannot forecast inventory costs or cash flows credibly.
You need a conventional revolving credit line with clearly defined draw and repayment mechanics.
The proposed financing cost exceeds the expected incremental profit from using the funds.
Who Should Choose SellersFi?
SellersFi is worth considering when:
You have at least six months of ecommerce sales history.
You meet its published monthly net-sales requirement.
Your capital needs span multiple operating categories.
You need a substantial working-capital amount rather than only an advance against a specific future purchase order.
You can accommodate the required marketplace payout and collection arrangements.
Look elsewhere when:
Your monthly net sales are below the provider's requirements.
Your business has thin or volatile margins.
You cannot afford reductions in cash received from marketplace payouts.
A longer-term bank product or line of credit would better match your asset life and cash cycle.
The agreement's guarantee, collateral, or repayment terms create unacceptable risk.
8fig vs SellersFi vs Other Ecommerce Funding Options
Sometimes the correct answer is neither.
Financing type | Potential best fit | Main limitation |
|---|---|---|
8fig Growth Plan | Recurring inventory and supplier-payment cycles | Customized remittances and eligibility restrictions |
SellersFi Working Capital | Multi-purpose ecommerce growth funding | Sales thresholds and payout collection obligations |
Accelerated marketplace payouts | Cash trapped between completed sales and marketplace settlement | Fees can be expensive relative to the short period financed |
Business line of credit | Recurring but variable short-term capital needs | Approval, pricing, draw requirements, and availability vary |
Traditional term financing | Longer-lived investments with predictable cash flow | Application complexity, eligibility, and funding timing |
Platform-specific funding | Sellers with eligible offers inside their marketplace | May be restricted by platform or invitation status |
The purpose of the comparison is not to find the funding company with the biggest advertised number.
It's to find the financing structure that leaves the business stronger after repayment.
Final Verdict: Is 8fig or SellersFi Better?
Choose 8fig as your first comparison point when inventory production, supplier deposits, and shipping milestones are the primary reasons your cash is tied up.
Its Growth Plan concept is specifically designed around those recurring financing events.
Choose SellersFi as your first comparison point when you need more flexible business working capital across inventory, advertising, and expansion.
Its published Working Capital offering supports those varied uses, with repayment collected according to the terms of the accepted proposal.
But don't select either provider solely from a website comparison.
Get a written proposal, model the cash impact, and compare the net amount received, total cost, collection schedule, and legal obligations.
Compare Funding Offers Before You Commit
If you're deciding between 8fig, SellersFi, or another ecommerce financing option, start by identifying your actual funding requirement.
Prepare your recent sales figures, current inventory commitments, supplier invoices, and expected marketplace receipts.
Moonshine Capital can review your funding objective and help identify financing structures worth evaluating. Submitting a request is not a guarantee of approval or an offer of credit.
Frequently Asked Questions
Is 8fig better than SellersFi?
8fig may be a better fit for ecommerce businesses that need scheduled funding around inventory and supply-chain expenses. SellersFi may be a better fit for businesses that need general working capital for inventory, marketing, and expansion. The actual financing offer determines which is more affordable and sustainable.
What is the minimum revenue for 8fig?
8fig's FAQ states that applicants need more than $100,000 in annual revenue, at least six qualifying months generating $8,000 or more each, and average monthly revenue of at least $12,000 over the preceding three months. Additional underwriting requirements may apply.
What is the minimum revenue for SellersFi?
SellersFi's current Working Capital page lists a minimum of $20,000 in monthly net sales and at least six months of sales history. Applicants should confirm the measurement period and current criteria with SellersFi, particularly if their revenue fluctuates.
Does 8fig check personal credit?
8fig says its application process does not include a credit check and does not affect the applicant's credit score. This does not eliminate the need for business and sales verification or guarantee that financing will be approved.
Does SellersFi perform a hard credit inquiry?
SellersFi says its Working Capital application uses a soft inquiry of the owner or shareholders' credit reports. Applicants should verify whether any different inquiry applies to another product or later stage of the process.
How much can I borrow from 8fig or SellersFi?
8fig evaluates financing amounts individually and does not publish a standard maximum in its FAQ. SellersFi currently advertises $5,000 to $2.5 million for its Working Capital offering. Actual approvals depend on the business and selected product.
Which funding provider is faster?
8fig advertises personalized funding offers in roughly 24–48 hours. SellersFi advertises Working Capital approval in as fast as 48 hours. Neither timeframe guarantees that cash will arrive in the applicant's account within that period; approval, documentation, final underwriting, and bank processing affect timing.
Can 8fig and SellersFi finance Amazon inventory?
Both providers offer products intended to help eligible ecommerce sellers finance inventory-related costs. 8fig emphasizes customized funding aligned with supply-chain cycles; SellersFi offers Working Capital that can also fund other business expenses. Specific permitted uses depend on the agreement.
Can I use both 8fig and SellersFi at the same time?
Possibly, but never assume two financing arrangements can coexist. Review existing debt restrictions, security interests, marketplace collection rights, and any contractual prohibition on additional financing. Both providers should evaluate the existing obligation before another agreement is signed.
Are 8fig and SellersFi loans?
Both companies provide business funding, but their offerings can use different legal and commercial structures. 8fig emphasizes its Growth Plan, while SellersFi offers Working Capital and other products that may include loans, credit arrangements, or advances. Determine whether the specific agreement is a loan, purchase of receivables, or another financing arrangement before signing.
Official Sources and Further Reading
Editorial note: Provider terms were researched in November 2026. Product features, availability, costs, and eligibility may change. This article is educational and does not constitute an individualized financing offer, legal advice, or a guarantee of funding.
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