You just kicked the can down the road...the conversion has been done by the factory. You have an electric the day you buy it.
So you allegedly now have a cashflow issue. Buy your ICE RAV4, then sell it and buy a RAV4 EV. If you don't, you will spend the same money and not have a car for two years to drive. If ever...
You'll need to buy a second car while doing the conversion and pay for the conversion parts. Cashflow insanity.
You can't argue your way out of buying a car that's already available as a factory EV unless you have some issues to address that the factory EV doesn't have. Even then, you need to afford to buy three cars vs one Rav4 EV.