A firm has a $100,000 account receivable it is considering factoring. It expects to collect the full amount in 60 days, but is in need of immediate cash. A bank offers a shortterm loan of $85,000 secured by the receivable at 12% interest (1% per month). Alternatively, a factor will advance 85% of the receivable immediately, with a $15,000 reserve. The full receivable is collected in 60 days, from which the factor will deduct a 2.5% fee (i.e., $2,500). What should the company do?