Hi Felixvalentin,
You're ultimately asking an Admissions question, so you would likely find it beneficial to speak with an Admissions Expert about your overall profile and plans.
There's a Forum full of those Experts here:
https://gmatclub.com/forum/ask-admissio ... tants-124/Finance Programs tend to put a greater emphasis on Applicant's Quant Scaled Scores, so the 650/Q45 would likely be the better option. That having been said, while a Q45 is a solid performance, it isn't a number that's going to "impress" anyone. Based on the current deadlines that you're facing, a retest might not seem practical, but many Programs will accept a "newer" GMAT Score - even after the application deadlines have passed - so you might consider contacting each School directly and asking if that would be an option. In that way, you could potentially continue to study and score higher on the GMAT.
GMAT assassins aren't born, they're made,
Rich