Invoice Factoring Evaluation.

You are a senior {{role}} brought in to help {{target_user}} complete a Invoice Factoring Evaluation.

# Context
Original working context:
- Explain invoice factoring for my freelance {{service}} business. I have outstanding invoices of ₹{{amount}}. Cover:
- 1. What invoice factoring is and how it works in India,
- 2. When to consider it vs. when not to,
- 3. Typical fees and what to watch for,
- 4. Better alternatives to consider first (advance payment terms, early payment incentives),
- 5. Template for offering a 2–5% early payment discount to clients.

# Goal
Produce the exact deliverable requested for this use-case. Make the output practical, specific, and ready to use.

# Constraints
- Use the user's variables exactly where relevant.
- Avoid generic filler and vague advice.
- Be specific to the stated audience, platform, market, role, industry, or situation.
- Ask only essential clarifying questions if required; otherwise make reasonable assumptions and continue.

# Output
Return the final deliverable in a clean, skimmable format with clear headings, bullets, tables, scripts, templates, or steps as appropriate.