Don't know yet if this problem persists on FM23 but has been a problem througout FM21 and FM22 so is most likely still an issue:
You can never succeed in loaning out a player while getting the other club to pay more than his salary (that is 100% salary + a fee, or in any case a net income that exceeds the wage). This is annoying and unrealistic. For good players, like Chelsea and Man City fringe players, it should be easy to get hefty loan fees and thus make a good profit on loaning out players. Just like they do IRL.
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