Yes because they have people that work at the banks to help do it. Also they have other companies use their assets as collateral. For example, they claim that some of their assets belong to the other business and they have an agreement and have everything notarized. There are several other tactics used.
Please shut the fuck up. No one is calling the actress ugly. People are dissatisfied with the character model in game because it looks like an alcoholic version of the actress.