The whole piece is written in **forward-looking voice** ("coming together," "designed to deliver," "intend to") rather than "we have partnered." That makes it safe to circulate to Cogo, to investors, and internally https://flynnjndo460190.suomiblog.com/short-term-loans-debt-service-coverage-ratio-commercial-financing-quick-capital-for-your-company-57129354