You should keep your emergency funds with you at all time and there's no need to use it for loan giving because it's for an unforeseen circumstances and not for doing business. Life is full of uncertainty, therefore, it is not wise to be hit with an emergency, you should start running here and there looking for who will borrow you money when you had yours but used it for business. What if you did not see anyone to lend you the money. You can keep your emergency funds in usdt, and keep it in a self custody wallet.