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It's a necessary eveil because this is a major problem with the game. Your scouts are basically unable to target players available for loan,
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Not really. Watch the news for other teams in your division making offers on players that are loan listed. Get a scouting report if you don't have one already and then jump in with an offer.
True, you usually won't discover the player first, but you can sign some wonderful finds this way.
Also, if you send your scout out keying on a position, he will often come back with loan listed players.