Exactly.. for example...
Suppose ADCO has a RRA 6.8 you want. You contact them and pay for it over the phone with your CC and give them your FFL's name.
-If they have your FFL's license on file, ADCO ships it right away to your FFL.
-If ADCO doesn't have a copy of your FFL's license, then your FFL has to send them a copy. Then they ship the rifle.
Once the gun arrives at your local FFL, you go pick it up and fill out the transfer paperwork, pay their transfer fee. Take your gun home.
Most FFL's do transfers because it's easy money and they get to meet new customers. $30 to $50 is common per transfer, so $10 is a deal if Lee's is doing that. My FFL charges $40 per transfer. $10 sounds much better!!
The other way is if your FFL orders it for you, then you pay for it when it shows up as if they had it in stock.