I like this thought process.
To go back a few days someone was talking about the situation Tottenham was in, where they can't quite offer what clubs like Man U/Chelsea/etc can offer so they may have to ride their team spirit rather than stand out individual performances from players like Man U can attract.
The way that I think that ties in to us is that we are a newly promoted club. We still have a good name going and we have Rafa in charge, but I think we'll still find signings of real genuine quality hard to come by and utilizing the loan market could be a way to let us get players that are of genuine quality that would not come here permanently usually. I like your example of Lukaku going to Everton.
These dudes want to play. And yeah our name isn't the best right now but it still holds some weight and players will look at our club and see it as an attractive club to take a punt on as a loan deal, especially when they can be the main guy and also get coached by one of Europe's top coaches in Rafa.