Many creditors (including lenders) have learned the difficult lesson that payments received from a debtor within the 90-day period preceding a bankruptcy filing may be subject to refund as a preferential transfer. Many creditors also know that one of the defenses to a preferential transfer claim is what is referred to as an "ordinary course of business" defense, which excludes payments that are made within the ordinary course of dealing with the creditor and that are consistent with the ordinary practice in the industry.