As long as there is a lien on the boat, the finance company has a vested interest in it and they want to make sure it is repaired and the money not simply pocketed. That practice varies from company to company. I've had checks for auto repairs made out directly to me.
2015 Seaark 1872 MV CC Etec-90
Two Helix 12 CHIRP SI's, , MinnKota Riptide ST80/i-pilot Link, Bob's Hydraulic
2018 Robalo R180 CC, Yamaha 115
Bitter Gun Owner