I'm a little confused?
Kickfurther doesn't do anything with loans or mortgages. The co-ops tend to offer anything from 12% to upwards for 30% profit annualized. Now you may ask how I got that but if a brand is offering 8% over 4 months, that equals out to 24% over a year. You're also buying inventory on consignment, that means that you technically own said inventory and thus acquire it as an asset. Now you won't have to worry about shipping or receiving the inventory until a business fails, which is rare because their vetting process, at which point you and the rest of the community involved in the brand have the choice to vote to either receive the inventory or have them liquidate it for you.