First of all, 20-26 weeks is not 2 years, it's about 6 months. There are 52 weeks in a year.
with a 20-26 week wait i cant affort another week or two for check clearance
Why not? If you can wait that long what's another week? But Milt Sparks is a very reputable company, so I highly doubt you'd have any issues with credit card. Even if you did you could always file a claim, so there really isn't a problem.