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Medicaid may ask you or POA to provide paperwork to establish that it was an actual “loan” and not actually “gifting”. And that legit attempt(s) have & are been made to get loan repaid with loan proceeds deposited and used in spend down.  

Paperwork will need to be dated back when the “loan” was done & perhaps with witnesses and notarized.

If your ? is geared to perhaps your hope/plan on having $$$ viewed as a “loan” to get around gifting transfer penalty inquiry by Medicaid, that’s imo a total non-starter. If your elder gifted $, it’s gonna surface. If this is your situation, stop trying to DIY and get an elder law atty to shepherd their Medicaid application; and if there’s a gifting issue then your family cobbles together the $ to deal with transfer penalty. 
The lookback by Medicaid could require submitting 5 full years of all months financial statements...... stuff will surface.
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Yes
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Yes They will look back at your bank records for five years from the date you apply.
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Yes
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