Speedy Serv was unable to collect some of its accounts receivable from customers. Speedy decided to sell its receivables to Surety, a collection agency. Surety specializes in buying accounts receivable from other companies and trying to collect from the "dead-beat" customers. Speedy Serv signed over $8,000 in accounts receivable to Surety, and received $5,000 from Surety as payment for the receivables. Surety is called a: Group of answer choices Factor Pledger Payee Ninja.