I can't speak to how Phil financed TXR, but Bob is not sole owner in Sweetwater, there are investors who helped foot the bill for the sound system and other updates. So there might not be a bank loan, but there are certainly other players who expect a return on investment.
And as others have speculated elsewhere, I'm sure quite a few of the tickets were gratis for those with connections to the band. So let's say of the 300 or so, half were actually purchased by the faithful. $150 x 150 = 22,500 x 4 = $90,000 gross. I know for a fact through a promoter I know in an out-of-the-way state that was given the chance to get Furthur for $150,000 for one weekday night. Yeah, the costs are a lot higher on the road, but my point is that they made significantly less for this entire run than for just one night normally.
Plus, I am very thankfully grateful that we got to share in the incredible experience of that intimate venue for nothing really, other than the cost of our computers and internet, which we all here have anyways. And what a high quality experience it was!! Best video EVER (except for Friday, but much better than just an audio stream anyday!!)
If I hadn't already dropped a load of cash for NYE, I would have gladly paid the $$ to get that experience live. My finances just didn't allow for trying it this time.