I think you mis-understand how banks work. There is no bank that will lend money speculatively to fund a new product. If you have collateral, they will lend aga

I think you mis-understand how banks work. There is no bank that will lend money speculatively to fund a new product. If you have collateral, they will lend against that, but that means they aren't taking a risk on the product. A bank is nothing like a VC.