$NIO They also have an almost $20 million loan payment due on Feb 1 which they clearly won't be able to pay, default, but I doubt they have enough cash to reach the end of the coming week, let alone Feb 1 "The Notes will bear interest at a rate of 4.50% per year, payable semi-annually in arrears on February 1 and August 1 of each year, beginning on August 1, 2019. "
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