Why are my funds pending for so long?

Hello there, @bellinghomeclean. I understand that every penny counts and I'm here to ensure this will be addressed in no time. 

First off, are you referring to your customers' payments with QuickBooks Payments? If yes, please know that payments that are taking longer than usual don't always mean they're on hold. For new QuickBooks Payments users, the first few payments take longer to process to set everything up. Also, deposit speed depends on the payment type (Standard or Instant Deposit). To know more about this, check out this article: Find out when QuickBooks payments deposit customer payments.

Additionally, when payments are ever on hold, you'll receive an email to give you the necessary steps to fix any issue. I've included these articles that have a thorough discussion about this:

• Why are my funds on hold?
• Understanding Payment Holds in QuickBooks Online

On the other hand, feel free to let me know if this isn't the funds you're referring to. I'd be glad to assist you accordingly. 
 

Should you want to create templates for recurring transactions such as sales receipts, feel free to browse through this article: Set up a recurring sales receipt in QuickBooks Online.

I'll be here to help you some more if have further queries or need assistance managing your funds in QuickBooks Online. Just hit the Reply button and it would be my pleasure to provide assistance. Keep safe.

Because Intuit/ QB makes money off of YOUR money.  The longer they hold it, the more interest the get.