Can you pay off 8fig early? How 8fig Growth Plans handle early payoff
8fig funds sellers through a Growth Plan: funding released in stages, a flat cost of capital, and a remittance schedule built around your sales. Here is what 8fig's own terms say about paying early, and what to check before you move the balance somewhere else.
How an 8fig Growth Plan is structured
From 8fig's website and help center (checked November 2026):
- Funding in stages. Capital is released in tranches lined up with purchase orders, freight and marketing costs. 8fig says you are not obligated to take every disbursement in the plan.
- Flat cost of capital. A fixed fee for the whole plan rather than interest. 8fig says most sellers remit $6,000 to $10,000 for every $100,000 in their Growth Plan.
- Remittance schedule. Built from your sales, purchase orders and payment cycles. You can request changes if sales take off or slow down.
- Paying faster. 8fig says you can pay off a Growth Plan faster by adjusting the remittance schedule in your 8fig account, subject to 8fig's review and approval.
Does paying early lower the cost?
8fig's help center says the cost of capital is fixed, and that if you need fewer disbursements than planned, the fee is discounted. In practice, the biggest saving usually comes from declining tranches you no longer need, not from paying down a tranche you have already received.
8fig has also offered early payoff benefits in some offers, for example a lower cost if the full balance is repaid within a few weeks of funding. These are not in every offer. Check your signed offer for any early payoff terms before you assume either way.
Your options when the remittances get tight
| Option | How it works | What to watch |
|---|---|---|
| Request a schedule change | Ask 8fig to adjust the remittance schedule to your actual sales | Changes are reviewed and approved by 8fig. Get the new schedule in writing |
| Decline future tranches | Skip disbursements you no longer need | Make sure the inventory those tranches were meant for is covered another way |
| Pay off with another funder | A new funder pays the remaining 8fig balance and you repay the new funder | You may pay a new fee on top of the 8fig cost you already owe. Compare total payback |
| Consolidate with other advances | Pay off 8fig together with Shopify Capital or other advances into one balance | Compare total payback with what you owe across all of them |
Checklist before you move an 8fig balance
If 8fig is one of several advances
Sellers paying 8fig are often paying Shopify Capital or another advance at the same time. See getting out of stacked advances to rank every balance, and paying off Shopify Capital early for Shopify specifics.
Frequently asked questions
Can you pay off 8fig early?
Yes. 8fig says you can pay off a Growth Plan faster by adjusting the remittance schedule in your 8fig account, subject to 8fig's review and approval. Another funder can also pay off the remaining balance.
Does paying off 8fig early save money?
It depends on your offer. 8fig says the cost of capital is fixed and is discounted if you need fewer disbursements. Some offers have included early payoff benefits. Check your signed offer for the terms.
How much does 8fig cost?
8fig charges a flat cost of capital instead of interest. 8fig says most sellers remit $6,000 to $10,000 for every $100,000 in their Growth Plan.
Can I combine 8fig and Shopify Capital into one payment?
Yes, through payoff consolidation, where a new funder pays off both balances and you repay one amount. Compare the total payback with what you owe across both before you decide.
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