Wing loading is quite simply the ratio of weight over wing area [W/S]example anairplane in a dive exhibiting let's sat 50lbs/sqft may in a high g pull up [near Cl max] exert an that moment 300 lbs/sqft,...generally light little planes that are designed for small payloads/flight loads exhibit low wing loading for heavy loads high wing loading,...lastly the maximum weight/ highest wingloading is that which is obtained at the stall,..all other discussion not relating thoses items is handwaving,...