I found this USA Today article
$6.4M loan that saved Kerry may also drain him. Apparently Kerry only has until the Democratic convention on July 28th to raise the money to repay the loan from donors. After that, he can't use more than 250,000 in donations to repay the loan.
Obviously, this could severely hurt Kerry's campaign at a critical time. This means that while Bush is hurling his warchest at the presumptive nominee before the convention, Kerry's fundraising efforts will be diverted toward repaying the loan, rather than being able to respond to attacks. Does this put a crimp in the electability argument?