I don't know the answer to that, RLC, but after recent criticism I would be very surprised if the EFL hasn't done its diligence over the sustainability of the financial model until the end of the season at the very least. The fact that the loan is repayable in 3 years would suggest that somebody believes it is either repayable or covered by assets. I would be genuinely interested to know how many clubs AREN'T funded by, supported by or carrying debt; it's easy to google those with massive debt but less easy to find this out. I suspect that the answer is not many if any.
Surely, the punishment for fielding an inexperienced team has been the fact that they have achieved only 1 point from their fixtures this season and suffered three 5-0 tonkings on the spin. I will, though, be pretty miffed if they aren't deducted further points for the 2 cancelled matches.