Im not sure if I am the only one, but I think Loans are by far to powerful.
- Pause the game
- get a big loan right at the start
- buy a big amount of warehouses and use your 2 starting ingredients to run 4-8 production lines.
=> you will have no problem paying the loans monthly cost
=> you will have money left over
=> the ai is out of the game
Suggestion: Reduce the max loan by a huge amount, maybe make it dependant on the cashflow you have. That allows to afford big lines during the endgame and makes the early game much more balanced.