Dear friend
If yours is a small company with a headcount of about 100 or so, then there is no need to issue a general memo/circular to this effect.
Why announce a bad news ?? It will only demotivate such a close small group.
What you can do is inform politely the person who comes with a request.
If yours is a big company and the senior management insists on taking out a memo; you can do so. Why look for a ready-made solution of a memo ? You can tailor-make your own; all it needs is a little bit of hands-on efforts.
You can be polite and gentle and use the following lines in your memo :
" Management regrets to inform the employees, that due to the present financial situation and liquidity issues, it has been decided to defer the grant of loans to staff and employees, till such time the situation improves. Accordingly, employees are requested not to forward such requests. ... "
Warm regards.