Is it permissible to lend a person $100 in exchange for him taking $95, with $5 taken as an upfront profit, on condition that he repays $95 when the debt is due?

If the lender gave the borrower 95 dollars and took 5 dollars from him as upfront interest, on condition that the borrower return 95 dollars, then this is a loan that draws benefit, and it involves both riba an-nasi’ah (interest on deferment) and riba al-fadl (interest on surplus). However, if the borrower requested 100 dollars and the lender lent him 95 dollars, and the borrower returned it as is without any increase, then there is no riba in this.