The short answer. Third party business checks are very risky items. Typically a reputable small business owners will not, and should give you a check made payable to the business to a 3rd party as payment. And the 3rd party should not take it- because itu2019s not payable to you. Lack of or irregular endorsement may cause the check to return for up to 3 years. Cashiers can come back unreturned if the business can proof that they didnu2019t endorse the check. Being paid to a third party may be enough to proof it. However here is the rub.If the business goes to their financial institution for an endorsement guarantee. You might be able to cash it at a local money service center or check cashing store. No bank will touch it.Good luck