"...Clearly, I do not know who would give them a loan,..."
Nobody knows who FLPC may be dealing with in terms of lenders. Keep in mind lenders may not be a traditional bank. There are plenty of venture capital companies or other private investors who could be interested in partnering or loaning FLPC money.
That process is up to Bob & Don. Only investors need to concern themselves with FLPC operations. FLPC is a penny stock. Penny stocks are risky. Some investors like to take risks.
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