I must admit that I didn't read all the messages for this stock, nor did I review the covenant's wording (I wrote from a summary). I appreciate your critique!
I also agree it's positive that key people are using personal guarantees on the loans. But I didn't consider adding that factor because guarantee sources for penny-stock loans have not been reliable factors in my past analysis.
But maybe it's just tenderness from my older wounds from some past investments. lol