First, since the bank has offered a loan, ask the bank for a loan certificate. There is a written certificate for borrowing, which will record when to put the funds into whose account. A copy of the voucher is for the customer.
Second, check the loan contract to see if there is a third party to supervise the funds. Combined with the bank statement, we can judge the flow of this money.
Third, follow the route of capital flow to find out whose account the funds are currently in. Once verified, the problem will be easily solved.
Let me remind you that commercial "guarantee companies" in society like to put other people's funds in their own hands for a few days.