Factoring is a service industry and in order to survive it must offer excellent service. If FCI members did not offer high levels of service, we would quickly lose our clients' business. And that would more than offset any gains in interest income generated through slow payment collection. On top of this, it wouldn't make financial sense: it's well known that the longer a debt is outstanding, the greater the chance that it will turn bad. We don't want to increase our risk in this way.