It would be irresponsible to operate entirely off of crowdfunded cash because that money could go a lot farther if properly invested. If you invest, then sometimes you need more cash that you have on hand. You could sell some of your assets, but if you can reliably anticipate they'd sell for significantly more at some future time (relative to interest rates), then you're better off taking a loan and then paying it off when you sell assets later.

Why would you assume a company would never use a loan?

Apple takes out loans and they have billions. There could be tax incentive to take out loans.