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> but it is not there on Day 0.

I'm pretty sure there are loans where it is, or at least a portion of it is, or at a bare minimum there's an early repayment fee. It would not surprise me to learn that in the world of business finance, these happen. It also wouldn't surprise me to learn that these are used creatively to shift money between entities.




I've borrowed plenty of money in business without such fees, and I'm a pipsqueak nobody.


I didn't mean to imply these loans were the norm, just that I believe they exist, while your prior comment seemed to imply they did not.




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