In Career mode, select a team and purchase a player who is listed for loan. Sign the player then go to "Budget Allocation". Set the "Transfer Funds" to "Wage Budget" ratio 0:100. This will make the money for transfer funds 0%. Go to "Sell Players", and terminate the loan of the player you just signed. You should have more than $2 billion. Go to "Budget Allocation" and fix your wages funds percentage as desired.