of course, it's short-term, because the fluctuation of interest rate affects short-term payment, and the interest rate of short-term payment is relatively high. If there is a surplus after the short-term repayment, it can be used for investment, and the income is definitely higher than the long-term loan interest rate.

You work for a company. If you can't make a higher return on investment than the bank, you might as well save money and close the company.