 Here is an example of a transaction with a 3% fee every 30 days..
 Client’s Invoice $10,000
Cash Advance to Client (80%) $ 8,000
Reserve held by Big Blue (20%) $ 2,000
Debtor pays BIG BLUE in 30 days
Payment $10,000
Fees deducted from Reserve $ 300
Reserve returned to Client $ 1,700
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