"they didn't go to a loan shark neither a shitty bank. It's the bank that manage the assets of the Queen. I don't think they give loan that easily hence the huge collaterals."

Irrelevant. Why would they care which bank the money comes from?

It would be careless to take any deal on less favourable terms than you could get elsewhere, which implies this Coutts deal was the best they could get.

It could easily be a deal on a REALLY good rate to extend their runway well into the release cycle of a finished game, but the lack of disclosure implies otherwise.

Anyone here old enough to remember the original boo.com?

That was also an emperor-has-no-clothes fiasco of epic proportions. Which is ironic, because their problem was that they couldn't sell any of the mountains of clothes they had in storage.