Hey Antic81,
"does anyone know who would lend about 25K as a loan that does not require repayment immediately, that would cover the last bit of hour building (20 hrs or so) and my ATPL's ,Com, IR , MCC and a FI rating"
If you're doing all of the above training in the UK i'd love to know where, because you're going to struggle to do all that for 25k.
I'm not trying to piss on your mr chips here as i realise how difficult it can be, you just need to make sure you borrow enough to complete all of the above as holding half an IR is at the end of the day, no IR at all.
You could maybe save by doing an MCC or FI. You don't need an MCC, or an IR for that matter to instruct. If you want to apply to the airlines then you don't need an FI for example.
Best of luck.