Production Line used to be a challenging game because you could so easily fail in bankruptcy which is what made you gauge cautiously your spending. Now I have 8 loans and every time I need money, there’s a new loan available. This makes the game now too easy as there is no way to fail.
I believe you have to have loans, but it should be capped at 3 or 4 max. If you can’t make it then you need to start over and spend more cautiously.