"I was a little surprised to see we took that loan from a 3rd party rather than the syndicate."
The positive take from that statement is this;
The syndicate was offering US$25mill. MNB has more recently been offered US$14mill from the South African lender so that means the company should have access to more than double their remaining funding requirement from the syndicate. Maybe they have something preferable that they are working on right now (eg possibly lower interest rate etc) but they have the syndicate loan to fall back on if needed.
For that reason, while you can't rule out a cr, it seems unlikely.
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