You're not giving Apple $1M. You're merely giving them a letter from a bank saying "We're $TrustworthyBank and we trust creativeSlumber enough to be willing to

You're not giving Apple $1M. You're merely giving them a letter from a bank saying "We're $TrustworthyBank and we trust creativeSlumber enough to be willing to give them a $1M loan whenever they want, according to such and such terms". By giving that letter to Apple, you're just telling Apple "I could give you $1M but I'm not going to, instead take this letter that says that I could give you $1M if you wanted to." No actual money ever changes hands.