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Prior to making a covered longer-term loan under this section, the lender must determine from its records and the records of its affiliates that the loan would not result in the consumer being indebted on more than three outstanding loans made under this section from the lender or its affiliates within a period of 180 days.
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You mention inventory in your question, and if this inventory has clear value and can be readily liquidated, perhaps it can serve as collateral.
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