How does Raymond return to the past?

He is reborn on the day his wife stages her fatal car crash.

What happens to the fifty million dollar loan?

Raymond traps the conspirators in the debt they tried to steal.

I Cremated My Cheating Wife

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I Cremated My Cheating Wife — A betrayed husband uses a second chance at life to dismantle his wife's fraudulent death plot and reclaim his stolen fortune.

Raymond discovers his wife has orchestrated a car crash to fake her death, embezzle a fifty million dollar loan, and abandon him to ruthless creditors. Her lover then murders him to silence the loose end. Awakening on the morning of the staged accident, Raymond retains full memory of the betrayal. He accelerates the cremation process to destroy evidence of the fraud, ensnares the conspirators in the massive debt they created, and begins systematically rebuilding the business empire they sought to steal.

Quick answers

How does Raymond return to the past?: He is reborn on the day his wife stages her fatal car crash.
What happens to the fifty million dollar loan?: Raymond traps the conspirators in the debt they tried to steal.