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Could this come under fringe benefits? (I don't really have a clue about this one). I'd be inclined to donate it to a charity. It's tax deductable, so has negligible tax implications, it'll probably make the customers feel good about it, and you could even use it as an advertising point...

Speak with the lender about what is 'normal' in this situation. I'd also ask them what your 'credit licensing' requirements are in this situation. If you're giving the customer 'credit advice' you are required to be licensed at this point. Keep in mind a simple referral does not require a...