Yes, western world bankers are simple people imo. As long as the banker has his ass covered by collateral or by other means diminish the risk that he will not get his money back, he will give you a loan. Simple risk analysis, you as a shareholder is not a concern in that analysis, your well being is his last concern.
I can give a dozen of examples where the listed company treated it's shareholders as a piggybank but can still got a bank loan.
Regarding that the bankers has an opinion on the high interest loans, that is very likely since that is a expense that SIAF can get out from in bad times, and if ECAB can get 10,5% interest rate, why can the other banker get it? But what I belive that the banker is more concerned about is that
in case of default/bankruptcy, ECAB has the first right get their investment back, they have priority over all other entities.But this is of course only the case if it is SIAF who is lending the money directly or if Solomon will use SIAF assets as collateral for the TRW loan.