Original sentence: However, the fact that it is profit cannot be made explicit and therefore there are no additional penalties for late payment.There are several other approaches used in business deals
Edited sentence: However, the fact that it is interest cannot be made explicit and therefore there are no additional penalties for late payment.In business deals, there are several other approaches to implicitly compensating for the time value of money.This higher cost represents the bank charging the debtor in order to compensate for the time value of money; in other words, this higher cost is exactly the essence of interest