Nothing wrong with that. This is a large addition. There are tax advantages to taking out a loan then paying it off super early in a lump sum.
The tax advantage is that the deduction for interest payments. If you are paying it off "super early in a lump sum", the interest payments are smaller, and are worthless.
Let's say you take out a loan for $100k. The next day, you pay it all off, for $105k. You can deduct the $5k from your taxes, BUT you just lost $5k for only getting a loan for a day.