8fig Funds Your Inventory. Olina Smooths Your Bills.

The short version: 8fig is inventory and supply-chain financing — an AI-driven "Growth Plan" that delivers capital in tranches aligned to your inventory, shipping, and sales cycle, which you repay as a percentage of sales plus a fee. Olina is a cash-flow platform for ecommerce and DTC brands that pays eligible bills and turns them into smaller daily repayments. It can handle repeated inventory purchases through Budget Bills or one approved PO through Pure Drip over Net 30 or Net 45, but it is not unrestricted, multi-month inventory capital. Choose 8fig for a large inventory build that must be funded across the sell-through cycle; choose Olina when supported ad, vendor, or inventory bills need a smoother 30/45-day payment shape. Many healthy growth brands can use both.

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• At a glance · Inventory capital vs bill timing · Where 8fig is the answer · Pricing · Where each wins · Who should choose · Use both · FAQ · How Olina works

TL;DR

8fig is one of the better-designed capital providers for ecommerce, and it's worth being fair about that: instead of delivering all the funding at once, it funds your supply chain in tranches timed to supplier and freight needs, with revenue-linked repayment and a relatively low fee (commonly cited around 2–6%). It's purpose-built for funding inventory you'll sell through over months. Olina does something different and complementary: it smooths eligible ad and operating bills into daily repayments. Budget Bills covers repeated categories such as 3PL, freight, and regular inventory buys; Pure Drip covers one sporadic approved invoice, including a PO, over Net 30 or Net 45. 8fig answers "how do I fund my next inventory cycle over months?" Olina answers "how do I keep supported bills from forcing large, mistimed withdrawals?"

At a glance

Inventory capital vs bill timing

These two solve almost entirely different problems, so the comparison is more "which do you need" than "which is better."

8fig funds an inventory cycle. When you need to place a large production order, pay supplier deposits, or cover freight months before the goods sell, that's a genuine multi-month capital need — and 8fig is well-built for it. It maps funding and repayment to the supply-chain and sales cycle and releases cash in tranches so you are not paying for capital before you need it. Olina can pay an approved inventory or PO invoice through Pure Drip and spread repayment over Net 30 or Net 45. For unrestricted capital carried across a six-month sell-through cycle, 8fig is the appropriate product.

Olina smooths supported bills. Ad Flex Card gives card-billed ad spend a selectable daily-revenue paydown and Net-45 treatment on any remaining balance at 0% interest. Budget Bills turns repeated 3PL, freight, and inventory categories into a steady daily amount; Pure Drip handles one sporadic approved PO or operating invoice over Net 30 or Net 45. This is useful even for a well-capitalized brand: less cash has to sit idle for bill dates, leaving more room to act on profitable growth opportunities.

So the decision rule: if the need is unrestricted inventory capital measured in months, that's 8fig. If the need is reshaping an eligible bill over 30 or 45 days, that's Olina. The category may be the same; the duration and job are different.

Where 8fig is the answer (not Olina)

Olina can handle approved inventory invoices, but it does not provide unrestricted cash or six-month financing. When that longer-duration capital is the need, 8fig is a strong, purpose-built option —

• You need to fund a big inventory or production order and pay suppliers/freight before the goods sell
• You want capital released in tranches aligned to your supply chain, not one lump you pay for early
• You want revenue-linked repayment that eases in slow seasons, at a relatively low fee
• You're scaling inventory faster than your own cash flow can support

Olina handles bill timing over 30 or 45 days; 8fig finances the broader inventory cycle over months.

Pricing

Olina — Ad Flex Card carries 0% interest. Olina's other products use a flat fee, and monthly plans apply. Check current Olina pricing for the terms that apply to your bill.

8fig — A fixed fee built into your repayment (commonly cited around 2–6% of the funded amount), repaid as a flexing percentage of sales, with capital released in tranches across your Growth Plan. Funding sized to your supply-chain needs; disbursed in ~1–2 days after approval.

Where each one wins

Where Olina wins

• Smooths bills 8fig isn't designed around — ad spend (card and invoice), recurring operating categories, and one-off approved invoices over 30/45 days
• 0% interest on Ad Flex Card; flat-fee options for eligible operating bills; can reduce reliance on timing-driven bridge borrowing
• Removes the monthly cash-flow bump at the source with predictable daily payments
• Works on top of your bank and keeps cash available for profitable growth rather than parked for bill dates

Where 8fig wins

• It gives you unrestricted, multi-month capital for an inventory cycle — which Olina doesn't
• Tranche-based funding aligned to your supply chain, so you don't pay for capital early
• Relatively low fee (~2–6%) with revenue-linked, season-aware repayment
• Strong cash-flow planning tools (the AI "Growth Plan")

Where each falls short

• 8fig, for monthly bills: its capital is built around inventory cycles rather than recurring ad or vendor bills, and it carries a fee and repayment obligation
• Olina: Pure Drip is limited to an approved invoice repaid over Net 30 or Net 45; it is not six-month financing or unrestricted cash

Who should choose which

Choose 8fig if you... need to fund inventory and supply chain — a big production order, supplier deposits, freight — and want capital released in tranches aligned to your sales cycle.

Choose Olina if you... want eligible ad, vendor, or inventory invoices turned into daily repayments; want to keep more cash available for growth; need 30/45-day timing rather than unrestricted capital carried across a long inventory cycle.

You can use both (and many should)

These two genuinely complement each other, because they cover different parts of the cash cycle. Use 8fig to fund a long inventory cycle and Olina to smooth eligible ad and operating bills as they land. 8fig supplies multi-month capital; Olina makes supported 30/45-day obligations more predictable.

How Olina actually works

Olina is a cash-flow platform for growth-focused ecommerce and DTC brands. Its four products match the way a bill arrives: Ad Flex Card and Ad Invoices cover advertising spend, while Budget Bills and Pure Drip turn eligible operating invoices into daily repayments.

• Ad Flex Card — for card-billed ad spend. You select a daily-revenue paydown percentage. Any remaining balance receives Net-45 treatment at 0% interest, which can preserve usable cash and card capacity for profitable campaigns.
• Ad Invoices — for advertising-platform invoices. Olina pays an approved invoice when it lands, and you repay it in small daily installments across 45 days.
• Budget Bills — for repeated operating categories. Set a monthly budget for eligible 3PL, shipping, freight, customs, or repeated inventory bills; Olina pays bills as they arrive and combines them into one steady daily amount.
• Pure Drip — for one sporadic approved invoice. A PO, inventory, tariff, freight, packaging, fulfillment, or 3PL bill can be paid by Olina and repaid in equal daily amounts over Net 30 or Net 45. It is not unrestricted cash or six-month inventory financing.

Ad Flex Card is 0% interest; other Olina products use a flat fee, and monthly plans apply. If a 3PL charges about 3% to pay by card, compare that fee with your Olina terms: Olina may cut the payment cost materially—sometimes roughly in half—while also replacing the card-payment lump with predictable daily repayments.

Olina vs 8fig FAQ

Do Olina and 8fig compete? Not directly — they solve different problems. 8fig funds an inventory and supply-chain cycle; Olina smooths eligible ad and operating bills. A brand can use both when it has both needs.

Can Olina support inventory bills like 8fig? Yes, but on different terms. Budget Bills can cover repeated eligible inventory purchases, and Pure Drip can handle one approved PO or inventory invoice over Net 30 or Net 45. If you need unrestricted capital across a six-month inventory cycle, 8fig is the better fit.

Can 8fig smooth my ad and vendor bills like Olina? No. 8fig finances an inventory cycle; it is not designed to re-time an advertising-platform bill or a 3PL invoice. Ad Flex Card is 0% interest, while Budget Bills uses a flat fee and monthly plan terms apply.

Does Olina replace inventory financing from 8fig? No. Olina addresses payment timing on supported bills and can reduce timing-driven borrowing. Unrestricted, multi-month inventory capital remains 8fig's job.

Should I use both? Often, yes — 8fig for the inventory capital, Olina to keep monthly cash flow smooth while you sell through it.

The takeaway

8fig funds the inventory cycle; Olina smooths supported bills. 8fig is a well-built option for putting capital behind inventory sold over months, in tranches that match the supply chain. Olina covers a different duration: daily repayment of eligible ad and operating bills, including repeated inventory purchases or one approved PO over 30/45 days. A growth brand can use 8fig for true multi-month capital and Olina to keep ordinary payment timing from dictating how aggressively it can operate.

Also read: Best merchant-cash-advance alternatives · Olina vs Wayflyer · Olina vs Clearco Stop letting one big bill dictate your month. Start with one bill or see pricing.