They were a Y Combinator company. They're drinking the kool-aid, for sure. But seriously, this sounds much more like a VC play than a bank play to me. There are

They were a Y Combinator company. They're drinking the kool-aid, for sure. But seriously, this sounds much more like a VC play than a bank play to me. There are real cost/performance advantages to their model. This could scale to a billion dollar company. That's the sort of thing that attracts VC, which is much easier and more flexible than a bank loan - IF you're talking about real scale potential.