Mike and Rene need to borrow $$20,000$ to buy furniture, appliances, housewares and home decor for a farm house they recently built. Since Mike and Rene are good customers and have high credit scores, your bank is willing to make the loan $-$ knowing that the funds will be used to buy these items from a variety of different vendors$/$sellers$.$ Advise the bank on how to secure repayment of the loan and insure that other creditors will not have greater rights than the bank.