Look at the application, start pricing third party flat fee services for each step.

I have the applicant go to website and fill out online application form for pre-qualification3.

@Michael Klinger  As others posted, SoFi and Discover personal loans are good options and I've used them in the past.  2-3 business days from application to funds in my checking account. 

Zillow has an easy application for them to fill out. it come back with a credit score and background info. 

Quote from @Jay Hinrichs: Oregon finally passed legislation to reel in unlicensed wholesaling its in this months publication from the state RE agency.Highlights:Goes into effect  July 1 2025Requires:On line application to become a licensed wholesaler  ( RE agents exempt from this of course they already have licenses)Name of company and individuals who will be performing these services.Each one needs a full criminal background check and approval prior to receiving the license.300.00 annual fee for the license.Written Disclosures in Bold 10 point.These must be given to Buyer and Sellers prior to entering into a wholesale contract and signed for.Also RE brokers assisting wholesalers need to give these to potential buyers and sellers.

Most people don't qualify for that relationship.The seller financing will not show up or affect the credit score.However, when applying for a loan at the bank or especially a Federally Guaranteed loan, they ask on the application for ALL Loans, whether  or not it shows on a credit report.

Maybe it's a processing fee, an application fee, etc?  

Anyone who says they "need an application fee" is a hard NO! 

Currently accepting applications for friends and family because teamwork makes our dreams work.Even then, that statement has narrowed the possible solutions. 

Here's a detailed guide on how to screen applicants: Application Screening Guide