Grace Period

For certain facilities (loan originators), we can enable a grace days period
When grace days are enabled, we use the date the borrower paid the loan originator instead of the date the loan originator forwards the payment to us
This only applies if the time difference between when the borrower paid the loan originator and when the loan originator forwards the payment to us is equal to or less than the grace period
This ensures fair treatment of payments by acknowledging when the borrower actually paid, even if there's a delay in forwarding those funds to us