In this case all they have to prove is the loan is

In this case all they have to prove is the loan is usurious under New York laws. I can find no time during the term of the note where HJOE could pay it off for an amount that's not. In fact I've looked at many companies that had financings with Asher or KBM and never found a single one that did, even several that paid the notes off before they could convert in cash.