Select a team in Career mode and purchase a player who is listed for loan. Sign the player, then go to "Budget Allocation" and set the "Transfer Funds" to "Wage Budget" ratio 0:100. The money for transfer now funds at 0%. Go to "Sell Players" and terminate the loan of the player you just signed to earn more than $2 billion. Finally, go to "Budget Allocation" and fix your wages funds percentage as desired.