The money used by online merchants to buy funds belongs to the illegal use of loan funds. If it is monitored by online business loans, users can be required to pay off all debts at one time.

Then users want to apply for online business loans, and it is difficult to pass the loan review. Moreover, even if the loan funds are used to purchase funds, users cannot guarantee that the funds will be profitable. Once a loss occurs, users will not be able to repay the online business loan on time.

Therefore, the money borrowed by online merchants can only be used for daily consumption. As for the money to buy the fund, users had better use spare money to buy it.