; and (ii) if the term is longer than one month, the estimated average total monthly payment amount. (4) Term For financing other than factoring, the term of the small business financing— (A) in months or in years; or (B) if the term is not fixed, the estimated term, calculated using the same assumptions used to calculate the estimated annual percentage rate. (5) Finance charge The finance charge of the small business financing, broken down to show what expenses and fees are included in the finance charge. (6) Prepayment cost or savings If a recipient elects to pay off or refinance the small business financing prior to full repayment, the provider shall disclose— (A) whether the recipient would be required to pay any finance charges other than interest accrued since the last payment by the recipient; (B) if the recipient is required to pay the finance charges described in subparagraph (A), the percentage of any unpaid portion of the finance charge and maximum dollar amount the recipient could be required to pay