Itsme, You are using an example that is not relevant to a penny stock company. In every case I've read or heard of, banks ask for at least three years of revenues showing increasing profits year after year. Even with that the applicants are frequently rejected based upon policy and local or national conditions. I read that this company began commercial sales two years ago, so they are not in the qualifying time range of three years, You obviously have never run any sort of business or studied the challenges faced by companies seeking financing from institutions.