InTrouBle Inc. recently approached its bank to seek assistance in financing its cash shortfall. After an hour-long meeting and review of InTrouBle Inc.'s financial situation, the banker mentioned the company has significant amount of accounts receivable outstanding from foreign buyers that is blocking the company's working capital. The bank recommended InTrouBle Inc. use a trade finance tool that enables exporters to bring in cash by selling medium-term foreign accounts receivable at a discount, on a "without recourse" basis. This instrument is commonly known as:*

Forfaiting

Factoring

Margining

Collection