Need advice on cash reserve requirements

Anyone have advice on showing cash reserves for lender requirements? I have a credit partner who has great credit, equity in real estate and decent investment portfolio but the lender wants cash reserves. We have kicked around a few ideas such as,, credit card cash advances and borrowing from friends. We are not spending the money, we just need to show it in an account. There are services out there that do this, but all we need is 10-20K. The service I spoke to has a minimum of 100K and charges 12K which is absolutely ridiculous. Any ideas?