Carmel Financial. The problem is they will make a bid which is a percentage of the deal based on customers credit. Let's say you sell a tub for 5000.00 and the people are not good credit risks they will come back and offer you 60%. Now your option is take 3000.oo for the deal or drop it. Obviously you won't take it if you want to stay in business. Focus on people who can actually afford what you sell. It makes life much simpler.(Hope that's not too harsh)