I got that, that is the 'small business loan' part. I would be amazed if it was charitably paid back 1:1 over time, rather there is going to be some sort of baked in interest rate which will compute what it costs to remove the obligation from the business. Is that 5%? 10%? set by market rates? compounded or simple? What percentage of equity does is represent? Does it participate pro-rata in future financings or does it always convert to cash at that point? That is where the term sheet helps as it lays out that stuff.

Looking at it cynically, it could be a great Goldman Sachs instrument - no exit we win! exit we win! But from a founder perspective, it would be helpful to have a couple of worked examples.