I was talking to a friend of mine who started working at a well known sub-prime car dealership. This dealership is known for two things: 1) if you have bad credit go to them and 2) they are not always the most up and up dealership. The owner of the dealership is driven to be the #1 dealership of his brand and doesn't care how he gets to that spot.
My buddy was super excited to start working there, but was highly disappointed with what he saw. Because of the dealership's bad reputation, more and more lenders simply stopped doing business with them. This dealership is forced to work with only a handful of banks now. So customers who can receive a car loan quite easily at other dealerships (because they have the lenders available) do not have a chance at this dealership. In a nut shell the owner has sacrificed the future simply to sell a couple more vehicles now. It took some time, but his bad decisions have caught up with him.
In business we can be lured to take shortcuts at times, but we have to stay the course. Spend the extra time to do it right. Give 10x effort (to steal the idea from Grant Cardone and others). It will pay off in the long run. Plus the Feds will never be knocking down your door!