Obsidian Entertainment is not a publicly traded company. Nobody knows what's on the balance sheet, how much debt they are in, etc. Yes, several members of Obsidian are saying they got screwed over by Bethesda, and yes, they did lay people off, but there may be other causes of that. You don't need 200 people on staff to make an isometric RPG in today's world, but you do probably need 200 people to make a massive game like New Vegas. Fallout 1 probably had 30 full time people working on it, and that was before the day of Unity/Source et al.
But, let's assume that Obsidian really is broke and the layoffs were not just a result of moving to the correct size after finishing a game. A loan payment on 1.25 million, at 10%, for 7 years ( a normal commercial term), is about $20k a month, or the salary of 4 developers. On a company that is probably 100+ people as it currently stands, that's not so much.
Nobody will finance? Well, the devs all live in Socal, and presumably live in $500-750k houses that they could get an additional mortgage on. None of this is remotely outside the realm of possibility.
I've been a Fallout fanboy since I bought the first one brand new, but I will play devil's advocate when assessing the projects of Fallout alumni, because I think some has been riding their reputations for too long. To all that supported this game, I think you are doing a good thing, but quit putting Obsidian on this magical pedestal. They aren't comprised of some guy in a basement, they are a corporation out to make money.