8fig: 10 Key Things You Must Know

Overview

8fig is a cutting-edge fintech company that specializes in providing innovative funding and cash flow management solutions to e-commerce sellers. Founded in 2020, 8fig was created to address the cash flow challenges faced by small to medium-sized online retail businesses, enabling them to scale rapidly and sustainably without sacrificing equity. Leveraging AI technology, including its pioneering "AI CFO" tool, 8fig offers personalized and flexible financing that aligns directly with sellers' supply chain and inventory cycles. This approach not only fuels growth but also brings strategic financial planning within reach of sellers lacking dedicated financial teams. This article delves into key facets of 8fig’s journey, technology, impact, and future prospects.

1. Founding Vision and Founders

8fig was founded in 2020 by a team of serial entrepreneurs and e-commerce experts—Yaron Shapira, Assaf Dagan, and Roei Yellin. Their combined backgrounds span payments systems, supply chain risk underwriting, and fintech innovation. They recognized that many e-commerce businesses lack executive leadership such as CFOs or COOs, which limits their ability to manage cash flow and operational complexities effectively. Their mission was to democratize access to financial expertise and capital for these sellers, creating an AI-driven platform that acts as a virtual executive suite to empower growth without diluting ownership.

2. AI-Powered Funding Platform

At the heart of 8fig’s offering is its "AI CFO" technology—a platform that intelligently plans and aligns working capital with sellers’ unique supply chain requirements. Rather than providing a lump sum loan, 8fig structures continuous capital deployment tied to inventory purchasing, marketing spend, and freight timelines. This AI-driven cash flow forecasting allows sellers to customize funding cycles, adjust payment schedules based on real-time sales performance, and avoid common growth bottlenecks. The platform integrates data from ecommerce marketplaces like Amazon and Shopify to offer tailored growth plans, enabling sellers to forecast and optimize their operational and financial strategies.

3. Financing Model and Benefits

Unlike traditional loans or venture capital, 8fig provides equity-free, collateral-free funding with flexible repayment terms linked to revenue. Sellers access funding ranging from $50,000 to $10 million, receiving capital increments as their business executes growth plans. This approach reduces financial pressure during slow periods and eliminates upfront fees or rigid monthly payments. The cost of capital is often significantly lower than marketplace loans. The funding can be accessed swiftly (with offers presented in roughly 24 hours), and ongoing adjustments are made seamless, allowing businesses to remain agile in unpredictable ecommerce markets.

4. Global Operations and Team Structure

8fig operates globally with a dual headquarters model. Its research and development teams are based in Tel Aviv, Israel, focusing on building the AI and financial technology infrastructure, while the Austin, Texas office handles growth, marketing, customer success, and sales operations. This geographic distribution fuels 8fig’s cross-functional expertise and reflects the company's commitment to innovation backed by customer-centered growth.

5. Significant Funding and Growth Milestones

Since inception, 8fig has raised a total of approximately $196.5 million in funding across multiple rounds, including $140 million in a Series B round in 2023 led by Koch Disruptive Technologies, with participation from Battery Ventures and others. These funds underpin 8fig’s ambitions to accelerate funding capabilities and deliver technology enhancements such as financial management tools, predictive cash flow models, and embedded banking solutions. By 2025, 8fig successfully delivered over $500 million in funding to e-commerce sellers and achieved accelerated customer and revenue growth in a short span.

6. Customization and Flexibility in Growth Plans

An important standout feature of 8fig’s platform is the ability for sellers to customize their growth plans dynamically. 8fig empowers business owners to adjust funding amounts, remittance schedules, and start dates to match inventory cycles and market trends. This flexibility ensures that when demand rises, capital can scale accordingly, and when cash flow tightens, repayment terms can be softened temporarily without penalty or renegotiation. This hands-on control over funding responds to the volatility inherent in e-commerce and supports sustainable scaling.

7. Client-Centric Approach and Ecosystem Development

8fig has built a reputation for personalized service through dedicated customer success teams, combined with an intuitive user experience. Many sellers praise the transparency, fast onboarding, and continuous support that 8fig delivers. Beyond financing, the company fosters partnerships with eCommerce agencies and industry experts to expand its offering, including supply chain and freight management tools integrated within the platform, enabling sellers to handle back-office logistics more efficiently.

8. The Acquisition by Bizcap and Global Expansion

In October 2025, Australia-based fintech Bizcap, alongside its US affiliate NewCo Capital Group, acquired 8fig, integrating it into a broader global portfolio aimed at technology-led business funding. This strategic move bolsters 8fig’s capital strength, product reach, and operational expertise, expanding its footprint across regions including Australia, New Zealand, Canada, and Europe. Bizcap’s leadership highlighted 8fig’s advanced AI underwriting and funding platform as a cornerstone for delivering smarter, faster capital solutions to SMEs worldwide.

9. Impact on the E-commerce Financing Landscape

8fig’s innovative approach addresses a glaring gap in the e-commerce financing market that conventional lenders and venture capital struggle to fill. Its performance-based, capital-efficient model aligns seamlessly with the fast-paced, variable cash flow realities of online stores. By empowering thousands of sellers to maintain steady inventory levels and optimize marketing spend without relinquishing equity, 8fig plays a critical role in enabling e-commerce growth during fluctuating economic conditions, including periods of recession or supply chain disruptions.

10. Future Prospects and Innovations

Looking ahead, 8fig plans to deepen its AI-driven capabilities by incorporating enhanced cash flow prediction, embedded banking services, and more comprehensive supply chain optimization tools. The company aims to empower over one million e-commerce sellers with autonomous cash flow execution and intelligent funding by broadening its platform features. Strategic initiatives include expanding into new markets, accelerating adoption of AI forecasting, and evolving the platform into a full virtual C-suite that supports multiple operational dimensions for online sellers.

Conclusion

8fig stands out as a transformative fintech innovator in the e-commerce arena, combining advanced AI technology with customer-centric financing models to remove barriers to growth for online sellers. Founded by experienced entrepreneurs, the company has quickly grown its funding volume, client base, and technological sophistication, culminating in its acquisition by Bizcap in 2025. By offering flexible, dynamic capital aligned with sellers’ operational realities, 8fig equips e-commerce businesses to thrive in a competitive, fast-changing digital landscape. As supply chains and consumer behaviors continue to evolve, 8fig’s model and AI-driven tools are poised to redefine how small and medium e-commerce enterprises access and manage growth capital for years to come.