… Mr. Warmerdam describes 2020 as “the worst year of my life.” Also, at the same time, Mr. Warmerdam was involved … Warmerdam to provide financing in several ways: A 7a term loan of $1,277,200 was made to complete the buyout of the … property and other working capital needs. A 7a term loan of $1,067,000 refinanced the debt, greatly improving the …