Which of the following best describes the agreement where a firm sells receivables to a lender and the lender agrees to pay the firm the amount due from its customers at the end of the firm's payment period, with the provision that the lender will receive payment from the borrower if the customers default on their payments? O A. factoring of accounts receivable with recourse OB. trust receipt O C. factoring of accounts receivable without recourse OD. pledging of accounts receivable