John, I would suggest that the reserve account is the normal 10-20% hold back that a factor keeps to offset invoices that don't pay. I think you will find they are not reserving against your advance, that would take 100's of thousand dollars.
Bob
734-929-3800
If you give me your contact information I will be happy to call and discuss a variety of options for your client.
rshaw@advancecredit.com
Advance Credit Funding Corporation