Creditor doesn't necessarily mean bank lender. If you're Revlon, and I supply you raw materials (like beeswax used in lipstick) with standard 30 days payment te

Creditor doesn't necessarily mean bank lender. If you're Revlon, and I supply you raw materials (like beeswax used in lipstick) with standard 30 days payment terms, I am also considered as your creditor because you owe me money. There is no interest expected, rather this is typical of doing business and how firms expect their suppliers to give them payment terms of 30 days, 60 days, or in many cases I've seen, 6 to 9 months. And yes, in Revlon's creditors' case, or in the case of any business who supplies goods on credit, the pandemic absolutely made you panic over whether you could depend on receiving all the money that is owed to you. In any case, I doubt this ruling will stand, they are a huge bank and this is a decent chunk of change. They've got their ways to making sure the appeal goes in their favour.