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Ateast fm23 other club ai is weird when it comes to loans. It will only make a 0% squad player offer but you open offer set it to 100% and regular starter or higher and they accept.
Depends on purpose of loaning players out. Some situations you don't care about development you just care about playing time and getting eyes on him to sell off.
This is especially useful for players >27 if they sign as emergency backups and on free you can really turn nice profit on each one. They will accept loans. And if you get a bunch of them even more money.
You can set the conditions for each of your squads. Go to staff responsibilities / transfers and contracts / offer via transferroom and there you can set your parameters.
You can but the ai starts with lower offers so if you set them there you miss out on a ton of offers
https://community.sigames.com/bugtracker/football-manager-2024-early-access-bugs-tracker/