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Just wonder how some of the high performing BDCs handle credit applications? Do you run the credit and give the prospect your opinion on if need cash down, co-signer, payment? Or do you work toward getting them to meet w. a credit specialist? If so, please share word tracks used to respond to "Can I just get pre-approved b/c Iive 30miles way?" or "I just want to get pre approved, email me back?"