It’s unlikely these loans have anything to do with transfers. I do this kind of thing for a living and this is a very common type of transaction for businesses with large, but irregular cash flows. Think of it as if instead of getting your paycheck twice a month you got it once a year. That’d be really inconvenient for you because you have to pay stuff like rent and groceries much more often than that. If you had that arrangement with your employer, like City does with television money, it would be worth paying someone a small amount of the future income to get the money now. It’s exactly the same thing and nothing about it really indicates that something is about to happen as result.