Keep the player on your shortlist. The game won't always notify you if he's reaching peak form; you need to check in and decide when to pull the trigger.
Even if the club accepts the bid, the player can still reject the contract if they feel they've outgrown your club or dislike you. buy back clause fm12
Adding this clause usually forces you to accept a lower upfront transfer price because the buying club is taking on the risk of losing the player. Keep the player on your shortlist
The clause is highly effective but requires careful balancing of your immediate budget and future squad planning. buy back clause fm12
Sell a player for a decent fee to balance the books now, knowing you can bring them back once your finances stabilize.