Vicki,
When I made store displays for various quilt shops it was done as follows.
The shop gave me the pattern and the fabrics to complete the project. Then when it was finished being displayed I was given the top to do with as I pleased. I did have one shop that when they were finished with the display they would have the top quilted and then give it to me.
By the shop supplying the fabric it is a deduction for you on taxes and the stitcher has a beautiful quilt when you are done with it