Merchant owns a greeting card shop, does about $900K yr. Currently has 2 advances, one is about 35% paid down the other is about 65% paid down for a total owed of around $36k ($16K/$20K)

She needs about $40K to purchase her Christmas inventory and wants to pay off the advance that is 65% paid down. I know it may be a long shot, but any takers? Credit is below 600- CA merchant.