I was just having a fee conversation this morning with a very experienced advisor. More often then not, some advisors and/or brokers are collecting fees from the client and the lender simultaneously. I don't have an issue with this so long as the fees are not outrageous. I can't tell you how many times we have proposed facilities for companies that clearly save them significant amounts of money in fees and gives them more liquidity only for the client to walk away because the advisor/broker got greedy.