If you have property you're better off going to a bank. Most lenders here aren't in Brazil, so going to go through all the procedures and expenses of securing your property for a loan is impractical.
That'll be hard for him to do since he's going to have to turn $20k in assets into $25k with the bank.
That sounds like a lot of clothes for 25k, how are you going to sell it all in a few months since you haven't already managed to do that? Do you have a fully costed spreadsheet for any bank/lender to look at, you might want to make one.