What is a reasonable discount fee for the sale of receivables with these terms?

[Nicholas Tortarolo]

Suppose I have $1,000,000 loaned to a dentist to finance his medical equipment (decent credit background). The payments are due monthly over 5 years (60 months). The monthly payment is $21,247.04 for the life of the loan. The present value of the profit is $125,895.66 so the total paid at maturity is $1,125,895.66.

If I would like to sell this stream of payments to a bank, what discount fee do you think they would charge at 60 months? At 48 months? At 36 months?

Please give any insight you may have.