Only a fool takes a loan and pays it back, the point is when borrowing, especially for large loans, go bankrupt, get the money out somehow, use a good accountant and don't pay anything back. if you take a loan in order to pay it back, you are a loser because the interest is your work and the effort you give away. besides, banks print money out of thin air, so this money is free for everyone.
Money makes money so with this money you can set up the real honest business or to set up next business on other person name keep money flowing then build some credit history and take new loan.
That's the smart way and your time efforts getting paid and you make atleast something out of it.
I can relate to what OP's saying, borrowing money with the intention of not multiplying it and just passing back is bad because you end up paying back with interests which is your money every time and everybody the loan sharks, leaving you with nothing but a life of slavery.
I had a friend who borrowed money for her business and pays back in a weekly basis. I advised her to ask the loan company for some time to pay the loan since she's using it for her business so she can multiply it, pay them back and continue her business with the proceeds and make her own money without having to enrich them anymore, she lied to them that she lost money and needs more time to raise their funds, they gave her one month ultimatum to pay back the funds and she took her time, put the money back in her business and made more gains from the compounding effect and increased capital with their money and paid them back within the stipulated period with same interest rate.
She confirmed to me that she didn't have the need to borrow again and her business is running smoothly as she now has enough money to continue.