For those that already answered this.. it's NOT 45 days right now... it can be up to 6 months, maybe even longer. I guess I would say, "what more than an approval from the IRS do you NEED???" Lol!! I would use the "takeaway close" and tell them, "hey I can do this another way as well.. I can use an outside Trustee, get my funds, and go to whatever dealership I want, but I wanted to do business here, and wanted to establish a long term relationship, as I can purchase one new car per year, so I wanted to get my working relationship set up for the long term future with your establishment." Let them chew on that for a few minutes and see if they want to chance it.. also tell them, "and after we establish this relationship, I would like to refer my friends and family here to do the same thing, so this is just the start of a long and prosperous relationship."