jj, IMO, the first subsidiary must have been through some shareholders or connections who weren't overly wealthy. Howard knew that the hurricane season was coming and that there's a very high amount of interest in generators thanks to legislation and mainstream press, and decided the profit realized by that extra month would surpass the personal funding.
They were an electrical technician and an excavator, based on the PR; not the highest income careers, not that it isn't possible.
Could your friend stop by this Miami location as we become aware of it? Maybe, and this is a real kicker, someone could talk a friend with the need into buying one of these generators and be on-site for the works.