Do you feel that you could adequately defend the position to treat them as separate businesses with the knowledge that funds are being co-mingled?
If the funds are being transferred only to facilitate the loan part of the business (loan company sends money to car sales company in the form of payment on a vehicle that now has a loan) then you might be able to argue that in your favor.
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A successful man is one who can lay a firm foundation with the bricks others have thrown at him.
-David Brinkley