Frankly, a really strong pr (membership #'s PR, a mainstream celeb spokesperson, etc) could push the PPS over .02 A bank might look at the revenue #'s and decide that they're not sustainable. A venture capitalist or other funding source might be more willing to take the risk. Also, they would be willing to take an equity position in case of default. A bank would generally not lend if they think it might come that. If things happened as planned with HowieD timingwise, (which would be a first for an artist with MMX), and the MMX PR machine does an effective job of publicizing the expected huge increase in paying membership then the pps would zoom and financing should be no problem at favorable terms.