How the collection is set up.
Fixed ACH
A set dollar amount leaves the business account on a schedule. Predictable, but rigid when sales dip.
Percent of sales, or split funding
A share of card volume is diverted until the balance is satisfied. It can flex with sales, but still needs enough volume to finish the balance. That share is commonly about 10% to 20% of daily sales, often near 15%, and is usually collected by daily ACH. Industry figures, not a Trident quote.
Questions to ask.
- What happens on a slow week?
- Can remittance pause or adjust, and under what process?
- How is early payoff calculated in dollars?
We help you put those questions to partners. We do not promise that any partner will accept a change request. Written contract terms control. On early payoff, some funders discount about 5% to 25% off the remaining balance for payoff within the first 30 to 90 days, while many classic advances give no saving because the multiplier is fixed, so ask which applies. Industry figures, not a Trident quote.