The name of loan is that it must be returned along with interest, so it must be calculated carefully so that if you want to go into loan you can pay it from a fixed income, not from business profits, because if you are no longer able to pay it, it will result in it not being able to run well.
It is not recommended that loans be used for any expenses other than just business. This is true because loans must be used carefully so that they remain targeted, especially if it is to expand the business, it would be even wiser.
Loans that have interest and must be paid on time are loans that have been thought more carefully before being made by anyone, because if they are not considered more carefully, it will certainly have fatal consequences for those who borrow them. So assigning a loan to a business that is already running smoothly is the right thing even if the borrower does not use all the profits to pay the loan at each maturity date. But the basic capital certainly cannot be reduced because this is where the source of income can grow and can be used to pay off all loans that have been taken previously.