Why run a credit report before presenting third party financing? Because you don't want to dangle financing you can't deliver. Run the credit report before the presentation. If it comes back weak, take third party financing off your plan entirely, because offering it and then watching the patient get declined in the room is a brutal way to kill a case. If it comes back strong and you expect them to finance, do the opposite work. Build a little extra into the fee to absorb the cost of discounting that financing, so the lender's cut doesn't come out of your hide. [...]