Holdback or fixed payments?

With a holdback, the funding partner takes an agreed share of your card sales until the total is repaid. A busy week pays it down faster and a quiet week slower. The payment moves with your sales, which helps a business whose sales swing a lot.

With a fixed debit, the same amount leaves your bank account every business day or every week. You always know the payment, and it is simple to plan around. It does not shrink when sales do.

The total payback is set when you sign, so the cost in dollars is the same either way. What changes is the pace and the pressure on slow days. A holdback can take longer to finish, which also means a longer commitment.

If your sales are seasonal or uneven and most of them are on cards, a holdback may be the gentler fit. If your income is steady and arrives by transfer or cheque, a fixed debit is usually the option. Run both in the cost calculator and look at the slow day check before you decide.