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You seem to be describing working capital (business focused) rather than payday loan (consumer focus).

Difference between the two probably only appeared when fixed salaries became a thing.

In their defense: the OP's deployment of the term "payday" is sloppy when discussing a world which predates salaries, bank transfers, and indeed... weeks[1]

[1]: https://en.wikipedia.org/wiki/Ancient_Mesopotamian_units_of_...

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