I've got a team of 8 full time people (half are salaried and half are only commission). We're hemorrhaging cash as we roll out our marketing plan. Plus we have

I've got a team of 8 full time people (half are salaried and half are only commission). We're hemorrhaging cash as we roll out our marketing plan. Plus we have features on our site like "Refer a friend, earn $10 when their first order ships." That money has to come from somewhere. My only other option is to get as many personally-guaranteed credit cards as I can and just use them instead of taking on an investor. But this seems more high-risk.