The loan system is a highly useful, and sometimes vital, tool for clubs operating below the riches of the top flight.
It offers clubs the ability to either try before they buy or in most cases, borrow prodigious young talents who are just finding their feet in the game. You only have to look at the current England squad to see the benefits the loan system provides. Three Lions' regulars such as Harry Kane, Jack Grealish and Mason Mount all experienced loan spells in the EFL before going on to become established stars in the Premier League and for their country.
This season has seen a total of 109 loan signings made by the 24 clubs in the Championship. The busiest side in that regard has been Birmingham City, who have made eight loan additions. They signed four in the summer and four in January, although three of the original signings returned to their parent clubs in the New Year. There is just one club in the second tier that has not made a single loan signing at all - Bristol City.
