The Company was a producer of non-apparel merchandise under license agreements with most professional sports leagues and a large number of colleges, theme parks, restaurant chains and cruise lines. They tripped financial covenants at the end of 2018, and as a result, the bank determined that they was no longer comfortable with the credit and required the Company to retain a financial advisor to find replacement financing for both the revolving credit facility and the term mortgage loan on its production facility. Then, to complicate matters more, the COVID pandemic hit and sales tumbled and the new prospective lender withdrew.