SFMI get $500k. Repayment in monthly installments for a year starting in Oct. Each payment may be in shares or cash, but 3 of the first 6 and 3 of the second 6 payments must be shares. Price of shares is .04 (but can be lowered if sp is too low). That means at least 12.5M shares for half the payments, or up to 25M for all. Assuming of course that the sp is enough above .04 by Oct not to trigger a lower price per share.

Semi-dilutive financing, but hopefully by October it won't matter much. Haven't read it all carefully yet but it looks like there is a prepayment penalty of 25% if there is an event such as a buyout. That could make it 15.6M shares minimum, but again that won't be too significant if there is indeed a buyout.

Didn't see anything on an initial scan as to whether the shares would be restricted or not, but again I hope that by Oct that won't matter.