HELOC vs. Cash Out Re-Fi to help my ecom business run?

[Kelvin He]

Hi

I am a 25 y/o entrepreneur + real estate investor.

House 1: $404K, Mortgage: $225K = Equity: $179K [4.5% interest rate / 30 years]

House 2: $525K, Mortgage: $280K = Equity: $245K [3.5% interest rate / 30 years]

I run an e-com business on Amazon, but I'm having liquidity issues right now. Amazon holds the proceeds of your sales for up to 2 weeks after the item has been delivered. Currently, I have $180K in Amazon balance locked up and owe around $150K to credit card debt / suppliers.

What would you do in this situation? A cash-out re-fi or a HELOC? I suspect I will continue to have cash flow problems as my business continues to grow.