Speak off the cuff with tips for disguising loans in The Bank
I believe the answer is:
ad lib
'speak off the cuff' is the definition.
(I've seen this before)
I don't understand the remainder of the clue.
Can you help me to learn more?
(Other definitions for ad lib that I've seen before include "Leave script" , "with no forethought" , "Speak unprepared" , "Unscripted impromptu remark" , "Speak impromptu, improvise" .)