ok, then explain how so many people can buy a house with no money down and no money in the bank? Outside of all the corruption in the process is the assumption that the bank can simply resell the assets. In this case the money would close the deal on oil assets. If BRZL defaulted on the loan the bank is now in the oil business.
They don't base loans on how much money you currently have. They base it on how likely it is you will be able to timely pay them back. If they see an impending r/m with a private company with significant assets, I think there won't be a problem.