If one can personally be involved in arranging loans for others, that is the ideal, for it is greater to do a mitzvah oneself than through an agent. But if a person was graced by Hashem with great wealth and he is not available to deal with giving the loans himself, that should not hold him back from giving loans but instead he should appoint a special agent to carry out his wishes, just as he does in other areas of his business. And if he cannot appoint someone to do this for him, then he should find a God-fearing Jew from his town who would be willing to engage in this mitzvah. He should give the man his money for him to lend at his discretion to those who need it.
The rule of the matter is this: The “business” of bestowing kindness with one’s money — which affects the person for eternal life — should not be less in one’s eyes than his other business dealings though they are only temporary and fleeting deals.