Folks should read the TBK "Revolving Purchase, Loan and Security Agreement". It is not like a home equity line of credit where a borrower gets money from the bank to spend however they want. Not one bit.
For those in business, it is a commercial arrangement that allows a company to obtain money from the bank on the front end to pay for (in this case) cargo space. That borrowed money is then directly linked to the UNQL customer contract asset (account receivable) which then becomes the property of the bank as collateral. UNQL then pays the bank interest on that borrowed money until the UNQL customer pays UNQL upon product delivery. UNQL then repays the bank, in addition to the interest that accrued during transit. It's really simple.
UNQL cannot use this money for any other purpose except to purchase cargo space secured by a customer invoice. The bank contract is in black and white for anyone to read. I kindly linked it here.