Unlock Your Brand’s Growth Potential with Cash Flow Financing with 8Fig.co

As an e-commerce seller, you’re likely always looking for ways to scale your business and take it to the next level. But one of the biggest challenges you’ll face as you grow is keeping up with inventory demand. And that’s where cash flow financing can be a game changer. 

In this blog post, we’ll discuss how 8Fig.co, a planning and funding platform, can help you with cash flow financing and take your online business to the next level. But first, let’s discuss the different funding options for small business owners.

What Are The Funding Options Available For Small E-commerce Businesses?

What Is Cash Flow Financing?

“Cash flow financing is a form of financing in which a loan made to a company is backed by a company’s expected cash flows. Cash flow is the amount of cash that flows in and out of a business in a specific period.” – Investopedia

The Biggest Misconception When Looking For Cash Flow Financing

One of the biggest mistakes e-commerce sellers make when looking for cash flow financing is not knowing what they need. Having a plan in place and understanding your long-term goals is essential before seeking funding. Many inexperienced sellers may jump at the first loan or financing option available without truly understanding the costs and implications of the decision.

Another common mistake is to go for the fastest, easiest option. While Amazon loans may seem convenient, they can come with high fees and strict terms. Instead, it’s important to shop around and find the funding option that aligns with your goals and needs.

Best Practices For E-commerce Sellers

One of the best practices for e-commerce sellers is to have the confidence and conviction to know your worth and what you want out of the financing process. Don’t compromise on equity or ownership if it’s not what you want long-term. Experienced sellers are often more strategic about the deals they make because they have a clear vision for their business.

Another important best practice is to be proactive with inventory forecasting and planning. Building in multiple layers in your supply chain process, having relationships with suppliers, and using a 3PL can all help you control your inventory and avoid stockouts.

What is 8Fig.co?

8fig is an eCommerce growth platform that gives entrepreneurs the freedom to scale their stores to new heights through continuous, equity-free capital and supply chain planning. 8fig’s personalized Growth Plans include supply chain planning tools, cash flow management, and flexible funding to help your business grow 2.5x faster. With continuous, cash-flow-friendly funding and the freedom to make real-time adjustments to your plan, you can stay in stock and invest in the future of your business. Find out more about how 8fig is helping sellers grow through adaptable funding at 8Fig.co.

What makes 8Fig.co unique is its platform. Sellers can build out there who’s who mapping, their supply chain, and build out their batches of inventory. They can look at how many units they need, and the associated costs, and build that out over time. 

They can see when they will need cash the most and then get funded at those moments. The funding is incremental based on the plan, so sellers get exactly what they need when they need it.

What Sets 8Fig.co Apart From Other Financing Companies?

Cash flow financing is a crucial aspect of scaling an e-commerce business, especially when it comes to managing inventory demand. However, traditional financing models often fail to match the online cycle between a deposit, final payment, shipping, and other variables spanning the average order for four to six months. That’s where 8Fig.co, a planning and funding platform, comes in.

What sets 8Fig.co apart from other financing companies is they are an e-commerce-only platform. They specialize in working with e-commerce sellers, so they understand the unique challenges that e-commerce businesses face when it comes to inventory management and cash flow financing.

Another benefit of 8Fig.co is its flexibility. Sellers can adjust the amounts they receive as they go. They can change the amount they receive based on whether they are selling more or less, or if they need to push back when they will order another batch of inventory.

Unlike most traditional financing companies that offer a lump sum of money for a specific purchase order, 8Fig.co offers a unique timeline model with milestone funding. 

What Is Milestone Funding?

This allows sellers to plan their inventory needs over a six to twelve-month period and get funded incrementally based on their plan. The platform is designed to match the seller’s online cycle, so they can keep up with inventory demand and continue to grow their businesses.

But Why Did 8Fig?co Pivot To More Of A Timeline Model With Milestone Funding, As Opposed To A Lump Sum? 

According to Emma, the head of US marketing for 8Fig.co, the founders saw the need for financing that specifically catered to e-commerce businesses that understood the supply chain and the different risks associated with it. 

They also noticed that smaller sellers, who often have a side hustle, were not building or updating their inventory forecasting plans. This inspired them to create a tool that allowed sellers to have more control over their inventory planning and make changes proactively instead of reactively.

While 8Fig.co does not offer robust inventory forecasting, they offer a planning tool allowing sellers to map out their inventory needs and update it as they go. They also plan to explore partnerships to build more robust forecasting tools in the future.

The platform then provides funding at the moments when sellers need it the most. While the platform does not offer robust inventory forecasting, it encourages sellers to map out their needs and update their plans as they go.

When it comes to the cost of the loan, 8Fig.co charges a fixed cost rather than an interest rate. The cost ranges from $6,000 to $10,000 for every $100,000 funded, depending on variables such as sales history and risk factors. This way, sellers know exactly what they’re getting into and can make informed decisions about their funding options.


In conclusion, as you grow your e-commerce business, keep in mind that inventory demand can be a major limit to your growth. By working with a cash flow financing partner like 8Fig.co, you can get the funding you need to keep up with demand and continue to scale your business.

Overall, 8Fig.co offers a unique and e-commerce-focused approach to cash flow financing, allowing sellers to scale up their businesses without being limited by their cash flow.

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