[IP2]

A few thoughts and a couple of concerns...

Have you approached a bank for a merchant account to be able to take credit card payments? Banks certainly used to be quite keen to set a merchant account (I was taking credit card payments from the age of 16, so I figure their criteria can't be too stringent, that way you would have your customers money in the bank to pay your supplier straight away without needing credit.

Secondly if you haven't already, speak to your suppliers and try and negotiate a short credit facility (say seven days) from the outset, some companies will be slightly flexible if the credit timescale is kept short, although it is probably not something they would outright offer to bring to your attention, it is certainly worth talking to them about.

Now to my concerns...with very limited capital, have you considered your situation if you get a customer return of a fairly high end product? And secondly on your lower priced items (as I assume you do not plan to carry stock) how you will meet minimum order levels while you are getting momentum?