Yes ofc no prob. I have a real one, (comes up every night.. unless it doesnt) that i'm not using atm. U can have that one.
I would prefer u pay up front thou.
No, that would defeat the purpose of doing such a sale, which is selling off future income for a cash injection that we can use for things like boosting our marketing efforts.
Time you get yourself a credit card as that's what it sounds like you are wanting... i.e. a way to 'pay for what you cannot afford' - not saying it's the smartest route to go, but that appears to be what you are looking for.