John-Nicoll, you've obviously heard a few business buzz words to convince yourself you've got an unsecured loan at the age of 16. Trust me, there's security and guarantees somewhere; either that, or it's fraudulent, based on fabricated accounts.
No bank would give an unsecured loan to a 16 year old and no bank would give an unsecured loan to a company - there would need to be at least a debenture or mortgage on the company's assets.
If a company gets a loan, the company repays its, not the son of the shareholders or directors. Therefore. your family companies are the ones who are lending you the money which they themselves have borrowed from the bank.
Companies lending to directors and their connected persons is illegal under the Companies Act.
Cheers
Whirls