When you do /loan, you get money to buy an buisniss.
But, you dont get the money on youre bank account, because its not meaned to give it to others. (for example, if someone sells his property, he asks the money to buy the property itself, for my ZIP 325K, plus something extra for myself. you can only use the loan for the 325K, because that is the price to buy the property for the goverment, the money that go's to me is only from youre own money.)
I know I am not clear with this, I hope someone can explain it better.