Frankly you will make more money in the long run,about $10,000 monthly, typically for 36 months by bringing the deal to a good factor. You will also save a substantial amount for your clients.
I handles 2 similar deals recently, saved the client money and made a nice busk for myself.
I found out there was a portion of the money for a short term (put him into a 12 month ACH) and a portion he needed on an on going bases (factored.
The results were the client ended up with a short term lone that has he cash-flow attributes of a term loan and more permanent financing that had the attributes of an ongoing line of credit.
With more than 40 years experience in factoring I would be glad to answer any questions you may have. Bob 734-929-3800