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Thats how patch 4.17b works. It has changed in 4.20. The guild hall does not supply loans anymore with the aim to make banking (as player) viable.
The AI pawnbrokers do seem to produce the coin items/resources, they just don't offer any loans. For now, I've just edited the config to give some more starting money, since this almost as good as extra money from a loan.
Then again, it's a very small map (Bremerhaven)
if not GetSettlement("SIM","City") then
return 0
end
My settlement is not city yet...
The script is at: \Scripts\AI\Bankhouse\bank_SetOfferCredit.lua