Answer / Explanation:
The two method that can be used to generate optimum success is to
1) Create a lookup relationship from the Loan object to the User object.
2) Use a trigger on the Loan object to create the corresponding record in the Loan_share object.
This way, any user added to the custom team object will have a read only access to the corresponding load record. That way double control is achieved in the process of trying Universal container trying to set up a custom team solution that can be used on a custom loan object.
Defining Double Control: This is simply the process of increasing the integrity measure assigned to a particular process. It is a process whereby limited access is granted to the full coordination of a single process.