Great question, this is something that can be handled with a proper deal structure involving some vendor financing.

I recently did a video about this very topic for one of my YouTube followers. Check it out here: https://youtu.be/hWm4ZQxWlEw

You basically make the vendor's outstanding gift certificates a 'currency' which can be used by the buyer to repay the vendor loan. It's a net-sum game for the seller since he's already received the cash without having to provide the goods or services.

Hope this helps. Feel free to schedule a call anytime you have a question about business transactions.

David