8fig Reviews 2026: Terms and Alternatives for B2B Suppliers

For B2B suppliers, the cash-flow problem often starts when buyers ask for Net 30, Net 60, or longer payment terms while the supplier still needs working capital to keep operations moving. That is why many teams that begin with an 8fig review eventually compare a wider set of funding and receivables workflows, especially when the goal is not only to fund inventory but also to support B2B buyers, reduce credit risk, and accelerate collections.

8fig is a legitimate ecommerce funding platform built around staged growth capital for inventory-led sellers. It belongs in the comparison because it represents a different operating model from supplier-side receivables infrastructure. For supplier teams evaluating alternatives, Resolve Pay net terms sits in a separate category: offer net terms to B2B buyers, automate credit decisions, and get paid faster on approved invoices while Resolve Pay supports risk management, collections, and AR workflows.

That positioning matters because B2B trade credit affects both buyer relationships and supplier liquidity. The SBA explains net 30 as a way for buyers to conserve cash, while trade credit can create delayed-payment and default exposure for sellers. Resolve Pay is built for suppliers that want to offer terms without turning receivables management into a manual finance burden.

Key Takeaways

• Resolve Pay fits supplier-side B2B workflows: Resolve Pay combines net terms financing, credit decisions, AR automation, collections, and payment workflows for suppliers that sell to business buyers.
• 8fig serves a different funding motion: 8fig is best understood as an ecommerce growth-capital platform, while Resolve Pay focuses on B2B trade credit, approved-invoice payment acceleration, and receivables operations.
• Net terms require more than funding: Suppliers offering Net 30 or Net 60 often need credit checks, buyer payment workflows, reminders, collections support, and reconciliation tools.
• Resolve Pay supports approved-credit protection: Resolve Pay can take on the credit assessment, credit decision, and much of the repayment risk for approved buyers through non-recourse structures.
• ERP-connected AR matters: Resolve Pay supports ERP and accounting integrations that help finance teams reduce manual work across invoicing, payment, and reconciliation.
• The final choice depends on the workflow: Ecommerce sellers may compare inventory-funding providers, but B2B suppliers that want to offer terms and get paid faster are better aligned with Resolve Pay.

Why teams look for 8fig alternatives

Teams researching 8fig alternatives are usually comparing different operating models, not just different brand names.

Business-model fit

8fig centers ecommerce funding for sellers that want capital tied to inventory and supply-chain timing. Supplier finance teams are often comparing a different job to be done: offering B2B buyers terms, getting paid faster on approved invoices, and reducing receivables friction across approvals, reminders, collections, and reconciliation.

Resolve Pay fits that supplier-side motion because it supports B2B payments, net terms, business credit checks, and AR automation in one connected workflow.

Cost and cash-flow structure

For ecommerce sellers, funding diligence often focuses on total repayment obligations, inventory velocity, and how repayments line up with sell-through. For B2B suppliers, the bigger question may be whether offering terms will delay cash collection, increase bad-debt exposure, or create more manual AR work.

That is why supplier-side platforms are often compared with ecommerce funders even when the products are not identical. The underlying issue is working capital, but the workflow is different.

Workflow scope

Some tools focus mainly on funding. Others connect financing with credit decisions, collections, invoicing, payment acceptance, and integrations. Resolve Pay is broader than a simple funding product because it helps suppliers manage the order-to-cash workflow through accounts receivable automation, branded buyer payment experiences, and connected reconciliation.

Quick Comparison Table

The shortlist below answers the main buyer question quickly: which platform fits the workflow you actually need?

1. Resolve Pay vs 8fig for B2B suppliers

Product scope: Net terms financing, credit, AR automation Pricing: Competitive pricing Best fit: B2B suppliers, manufacturers, wholesalers, distributors, and B2B ecommerce teams

Resolve Pay is the strongest option in this list for suppliers that want to offer terms without waiting through the full customer payment window to collect cash. The platform is positioned around a clear supplier workflow: offer net terms to B2B buyers, automate credit decisions, and get paid faster on approved invoices.

That workflow goes beyond funding. Resolve Pay connects business credit checks, AR automation, collections, and ecommerce integrations in one system. For finance teams, that matters because cash-flow improvement often depends on compressing the full order-to-cash cycle, not only adding liquidity.

Resolve Pay is also positioned as a modern alternative to traditional factoring for supplier teams that want a more embedded net terms workflow. Instead of treating receivables as a separate back-office problem, Resolve Pay helps suppliers build payment terms into the buying experience through credit, invoicing, payments, and reconciliation infrastructure.

Key Features

• Smart credit decisions for B2B buyers.
• Business credit checks to support buyer approvals.
• Net terms financing for business buyers.
• Non-recourse structures on approved invoices.
• AR automation for invoicing, reminders, payment workflows, and collections.
• ERP, accounting, and ecommerce integrations that reduce manual reconciliation work.
• Branded payment portal options for ACH, wire, credit card, and check payments.

Strengths

• Built for supplier-side B2B cash-flow operations rather than inventory planning alone.
• Helps suppliers offer buyer-friendly terms while improving payment timing.
• Combines credit decisions, financing, collections, and AR workflow in one system.
• Supports finance teams that need a connected credit-to-cash process.

Best For

Resolve Pay is best for B2B suppliers, manufacturers, distributors, and B2B ecommerce teams that want non-recourse net terms financing, faster payment on approved invoices, and net terms management in one workflow.

See how Resolve Pay works

2. 8fig

Product scope: Staged ecommerce growth capital Best fit: Ecommerce sellers evaluating inventory-linked funding

8fig is a legitimate ecommerce funding platform built around staged capital rather than a single traditional loan. Its operating model is designed for ecommerce sellers that want funding tied to inventory, supply chain, and sell-through planning.

Third-party company coverage also supports 8fig’s status as an active fintech. Bizcap and NewCo Capital Group announced that they acquired 8fig in October 2025, while keeping the brand as part of Bizcap’s broader growth-funding portfolio through the acquisition announcement.

This makes 8fig a useful benchmark in the article because it represents the ecommerce-funder lane clearly. The main comparison question is not whether 8fig is real. It is whether staged inventory funding is the workflow your business needs to optimize.

Key Features

• Staged capital designed around ecommerce growth planning.
• Funding structure connected to inventory and supply-chain timing.
• Repayment schedules that may be shaped around business performance and seller plans.
• Focus on ecommerce sellers operating through supported platforms.

3. Wayflyer

Wayflyer stays close to 8fig’s general operating lane because it also serves ecommerce merchants looking for growth capital. It is relevant for merchants comparing multiple ecommerce-focused providers and evaluating how different funding structures align with revenue, marketing, inventory, and expansion plans.

This keeps Wayflyer useful as a comparison point when the buyer’s workflow is still online-seller growth capital rather than supplier-side receivables operations.

Key Features

• Ecommerce-oriented funding model.
• Product structure designed for online brands.
• Useful benchmark for merchants comparing 8fig with another ecommerce capital provider.

4. Shopify Capital

Shopify Capital belongs in the comparison because many merchants looking at 8fig are also weighing whether they want a funding option that sits directly inside the Shopify ecosystem. That makes Shopify Capital most useful as a workflow comparison.

It helps merchants weigh embedded platform access against the specialist structure of a separate funding provider. For Shopify-first sellers, this distinction can matter because eligibility, application flow, and repayment experience may be tied closely to the Shopify environment.

Key Features

• Embedded financing program for eligible Shopify merchants.
• Platform-native fit for merchants operating heavily inside Shopify.
• Qualification path tied to the Shopify ecosystem.

5. Clearco

Clearco remains relevant when the buyer wants another ecommerce-focused capital structure tied to future sales activity. It stays in the same general ecommerce-capital conversation as 8fig, while giving buyers another way to think about funding structure and repayment motion.

For B2B suppliers, Clearco is mainly useful as a category reference. It is not the same workflow as Resolve Pay because Resolve Pay is built around B2B buyer credit, net terms, receivables automation, and approved-invoice payment acceleration.

Key Features

• Ecommerce funding orientation rather than general commercial lending.
• Capital structure connected to digital-brand sales activity.
• Useful benchmark for brands comparing multiple growth-capital models.

Side-by-Side Comparison Matrix

We evaluated 8fig and its alternatives on business-model fit, funding workflow, operational scope, and receivables impact.

Why Resolve Pay is the Strongest Choice for B2B Suppliers

Resolve Pay earns the top spot for B2B suppliers because it addresses the supplier cash-flow problem more directly than ecommerce-funding tools. When the priority is offering terms without stretching the balance sheet, Resolve Pay combines net terms, buyer credit workflows, non-recourse structures on approved invoices, and payment acceleration.

It also handles more of the workflow after the financing decision. Resolve Pay connects AR automation, collections, payment acceptance, and integrations in one system, which helps suppliers reduce manual finance work and keep the customer experience under their own brand.

The broader business context matters. The Federal Reserve’s Small Business Credit Survey covers ongoing small-business financing and performance conditions through its survey reports, while payment terms remain a core part of B2B commerce. Suppliers need tools that protect liquidity while still helping buyers purchase on terms. Resolve Pay is built for that middle ground.

Final Verdict

Resolve Pay is the strongest option in this comparison if your primary need is non-recourse net terms financing, faster payment on approved invoices, buyer credit workflows, and connected AR automation. It is purpose-built for B2B suppliers that want to offer buyer-friendly terms while improving cash flow and reducing the manual burden of receivables management.

8fig remains a legitimate reference point for ecommerce inventory funding, but this article’s clearest recommendation is Resolve Pay for B2B suppliers. Resolve Pay combines financing, credit decisions, collections workflow, payment acceptance, and ERP-connected receivables operations in one platform.

See how Resolve Pay works

Frequently Asked Questions

Is Resolve Pay a better fit than 8fig for B2B suppliers?

Yes, Resolve Pay is typically the stronger fit when the business sells to other businesses and wants to offer net terms, get paid faster on approved invoices, automate AR, and reduce approved-buyer credit risk. 8fig is more aligned with ecommerce inventory funding.

How is Resolve Pay different from ecommerce funding platforms?

Resolve Pay is built around B2B trade credit and receivables workflows. It supports buyer credit decisions, net terms, approved-invoice payment acceleration, collections support, payment workflows, and integrations rather than focusing only on ecommerce growth capital.

Does Resolve Pay support Net 30 and Net 60?

Yes. Resolve Pay supports net terms workflows for B2B buyers, including common terms such as Net 30 and Net 60, subject to buyer verification and approval.

What types of businesses should consider Resolve Pay?

Resolve Pay is a strong fit for B2B suppliers, manufacturers, wholesalers, distributors, and B2B ecommerce teams that want to offer terms, reduce receivables friction, and connect payment workflows with accounting, ERP, and ecommerce systems.

Does Resolve Pay replace manual AR work?

Resolve Pay can reduce manual AR work by combining credit workflows, invoicing, payment reminders, collections support, payment acceptance, and reconciliation tools in one platform. It is designed to help finance teams scale receivables operations without relying only on manual follow-up.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.