Onramp vs Payability vs 8fig (2026): Which Seller Funding Model Fits Your Business?
- Jason Feimster
- 4 days ago
- 5 min read
Discover the ultimate showdown in seller funding as we compare Onramp, Payability, and 8fig! This article reveals which funding model is tailor-made for your business needs in 2026. Dive into their unique features, benefits, and drawbacks to make an informed decision. Unlock the secrets to smarter financing and elevate your business strategy today!
Seller funding isn’t “free money.” It’s cashflow physics.
Pick the wrong model and you’ll fund your growth… by donating your margins to the Capital Gods.
Here’s the clean way to think about these three:
Payability = faster access to money you already earned (accelerated payouts / advance against marketplace payouts).
Onramp = working capital advance repaid as a % of sales, with a fixed fee.
8fig = growth plan / supply-chain-oriented funding with a defined remittance schedule and a “cost of capital” (flat fee concept) rather than interest.
None is "best." The best one is the one that matches how your business actually bleeds and breathes.
The 15-second decision rule
If you only read one section, read this:
Choose Payability if… you’re profitable but cash is trapped in marketplace payout timing (you need speed, not a giant lump sum).
Choose Onramp if… you want flexible capital for inventory/ads and you can tolerate daily/weekly remittance tied to revenue, with a transparent fixed fee structure.
Choose 8fig if… your bottleneck is supply chain + inventory cycle timing and you want a plan-based approach (not just “here’s cash, good luck”).
What each model really is (no marketing fog)
Payability: “Get paid faster” (payout acceleration)
Payability’s Instant Access model advances a portion of your recent payouts daily (commonly described as advancing 80% and releasing the remainder once the marketplace payout clears). Pricing is typically described as a flat fee around 1–2% of gross sales for Instant Access (rate can vary by seller).
Best at: smoothing cashflow for sellers who are already moving product but hate payout delays.
Not ideal for: funding a huge inventory expansion if the real issue is margin or unit economics.
Onramp: revenue-based repayment + fixed fee
Onramp frames its product around repayment as a percentage of daily sales with a fixed fee (often cited as 2–8%), rather than compounding interest. They also describe accessibility down to ~$3,000/month in sales (depending on requirements and history).
Best at: flexible growth capital when sales are real but uneven (seasonality, ad volatility, marketplace swings).
Not ideal for: razor-thin margins where any remittance pressure creates stockouts or ad shutdowns.
8fig: growth plans built around your inventory/supply chain rhythm
8fig positions its product as a Growth Plan—custom funding aligned to supply chain costs and timed remittances, with the ability to request adjustments. They describe no credit checks and note eligibility around $12K+/month in sales on their site. They also describe pricing as “cost of capital” (flat fee) rather than interest.
Best at: inventory-heavy brands that need structured capital across multiple POs, shipping windows, and reorder points.
Not ideal for: brands that don’t know their numbers (COGS, lead times, cash conversion cycle). This model punishes vibes-based operations.
Side-by-side comparison (the stuff that matters)
Speed (cash in hand):
Payability: built for rapid payout access (daily acceleration).
Onramp: “fast approvals” is commonly claimed; still a funding product with underwriting based on store data.
8fig: states offers in ~24 hours on site.
What you’re “buying”:
Payability: time (payout speed)
Onramp: working capital with flexible repayment
8fig: structured growth + inventory cycle support
Eligibility floor (publicly stated):
Payability Instant Access: often stated as $10K+/month, ~90 days history (varies).
Onramp: often stated as $3K+/month + operating history.
8fig: often stated as $12K+/month.
The “don’t get rugged” checklist (read this before you fund anything)
Know your true margin after ads + returns + storage. If you don’t, funding will expose you like sunlight exposes roaches.
Map your cash conversion cycle: pay supplier → ship → receive → sell → get paid. Funding is just a bridge across this gap.
Avoid stacking multiple daily-remit products. That’s how sellers accidentally create a cashflow black hole.
Stress-test a down month: If sales drop 25% for 30 days, do you survive without canceling POs or killing ads?
Read the contract like it’s a prenup. Fees, reserves, remittance rules, change requests, early payoff, defaults.
(Not financial advice. Just the laws of gravity.)
Real-world “best fit” scenarios
Scenario A: You’re doing $30k–$200k/mo and payouts are the choke point
You’re not “underfunded,” you’re time-trapped by marketplace payouts.
Lean Payability to turn payouts into operating oxygen.
Scenario B: You want to scale ads + inventory but need flexible repayment
You want growth capital that doesn’t demand fixed monthly payments regardless of sales volatility.
Lean Onramp for revenue-based repayment + fixed fee transparency.
Scenario C: Your business is basically a supply chain with a Shopify theme
Lead times, POs, reorder timing, cash tied up for weeks—classic “inventory treadmill.”
Lean 8fig for a plan-based approach aligned to supply chain timing.
Quick FAQs: Onramp vs Payability vs 8fig
1) What’s the core difference between Payability, Onramp, and 8fig?
Payability is typically about accelerating marketplace payouts (getting paid faster).
Onramp is generally revenue-based working capital where repayment flexes with sales.
8fig is usually a plan-based growth / inventory cycle funding approach (aligned to supply chain timing).
2) Which one is best for Amazon sellers vs Shopify sellers?
If you’re primarily Amazon/Walmart marketplace and your pain is payout timing, Payability often fits that “unlock the payout” problem. If you’re Shopify/DTC with ad-driven growth and variable sales, Onramp or 8fig models often match better—especially if inventory timing is the bottleneck.
3) Is this a loan? Will it show up on my credit report?
Many seller-funding products are not structured like traditional term loans, and some don’t rely heavily on personal credit. But structures vary, and reporting/credit impact depends on the contract and provider. Always confirm directly in the offer terms before signing.
4) How do repayments usually work?
Common patterns:
Payout acceleration: provider advances part of receivables; settlement happens when the marketplace pays out.
Revenue-based repayment: a percentage of sales is remitted (often daily/weekly).
Plan-based remittance: a schedule aligned to a growth plan, sometimes with adjustment options.
5) What metrics should I know before applying?
At minimum:
Monthly revenue (by channel)
True gross margin (after refunds/returns and platform fees)
Ad spend and blended CAC (customer acquisition cost)
Inventory lead times + reorder points
Cash conversion cycle (pay supplier → sell → get paid)
If you don’t know these, funding tends to amplify chaos, not fix it.
6) What’s the biggest mistake sellers make with these products?
Stacking multiple daily-remit obligations (or taking funding to cover margin problems). That’s how you turn “growth capital” into a cashflow choke chain.
7) Can I use these funds for ads, payroll, or paying suppliers?
Often yes—many sellers use capital for inventory, ads, and operating expenses—but use restrictions vary. Some offers are best suited for inventory/supply-chain costs. Check permitted uses in your agreement.
8) How do I choose the right model in 5 minutes?
Ask:
Is my problem payout timing or not enough capital?
Is my growth constrained by inventory timing or marketing spend?
Can I survive a 25% revenue drop without missing obligations?
Pick the model that solves the actual bottleneck and doesn’t break your downside scenario.
Bottom line (2026 mindset)
So when it comes to Onramp vs Payability vs 8fig, here's the tale fo the tape:
Payability: best when you’re healthy and just need payout speed.
Onramp: best when you want flexible growth capital with a clear fixed-fee structure.
8fig: best when inventory + supply chain timing is the boss fight and you need a plan, not just cash.
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