ACH Remittance
A repayment pulled automatically from your business bank account through the ACH network on a set schedule.
An ACH remittance is a repayment collected by an automated debit from your business checking account over the ACH (Automated Clearing House) network — the same rails that move most payroll and vendor payments. Instead of holding back a share of card sales at the processor, the funder debits a set amount directly from your operating account.
Most revenue-based products that use ACH pull on a fixed schedule — commonly a weekly remittance, sometimes daily. Because the amount and timing are known in advance, ACH repayment is easier to plan around than a card holdback that moves with volume.
The one thing to watch is your balance on debit day. If the account is short when the pull lands, you can trigger an NSF (non-sufficient funds) event and a returned-payment fee, which also looks bad in underwriting. Keep a buffer ahead of the scheduled debit, and confirm the exact remittance amount and day before you sign.
Frequently asked
What is ACH?
ACH stands for Automated Clearing House, the electronic network used to move money between U.S. bank accounts. Payroll direct deposits, vendor payments, and most funding remittances travel over ACH.
Can I choose which day the remittance is pulled?
Sometimes. Some funders let you align the debit day with your deposit cycle. Ask before signing, and pick a day that lands after your strongest deposits when possible.
What happens if my account is short on debit day?
A failed pull can cause an NSF or returned-payment fee and may show up as a negative signal in underwriting. Keeping a buffer ahead of the scheduled remittance avoids it.
Related terms
A fixed weekly payment pulled by ACH toward your total payback — more predictable than a daily card holdback.
A bank event when an account lacks the money to cover a transaction, triggering a returned payment and a fee.
Confirming your business bank account — often via a read-only connection like Plaid — so a funder can see cash flow and fund you.
The percentage of daily card sales a merchant cash advance funder withholds toward repayment; it rises and falls with your sales.
The full dollar amount you repay over the life of an advance — funded amount times the factor rate, plus any fees.
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