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This isn't a dealer requirement, it's a BMW requirement. There must be sufficient time for the deal to be fully processed/funded. My experience has only been with ED which requires at the least a 2 week advance transaction, but I understand that PCD is similar.
Bear in mind that financing isn't necessarily tied to the day of the month that you sign the contract. In my case, I signed on 3/15, but my first payment isn't due until 4/29 for my ED which is on 4/4. You're so close at this point that it's not going to matter in my opinion.
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