We are direct medical accounts receivable lenders and provide LOC's. As the other comments state a 30-60 day term would not make sense for us or the client. The line of credit will use the AR as collateral and a lockbox will need to be set up. To set up the line only to dismantle it within 30-60 days would be too onerous. We typically have a 12 month contract on our lines of credit but would consider a six month term for this client.