ll ship. And your cash is already tied up in the last order. Which money do you take? That re at about24% APR. If it takes 8 months, about12%. Same dollars, very different rate. Here s 3. 3x. If your campaigns run at 2. 5x and you borrow to scale them, you re about to take on financing and want to know your ads can carry the repayment, let Say your supplier wants payment 60 days before delivery and your product takes 45 days to sell through.