So first off you mean the Championship and not League 2 which changes things slightly. However a turnover of £40 odd million in the Championship in no way translates to a - key word here - PROFIT of £12-18 million a year at a football club.
I'm not trying to be pedantic, when making decisions about finances the club will be governed by the reality of the commercial performance of football clubs and financial markets not the assumptions made on forums. On a turnover of £40 million Wolves would be lucky to make £4 million in profit. Most Championship clubs run with wages accounting for 100% of revenue -so no profit at all and the majority make a loss (those that don't have wealthy benefactors propping them up). Understandably banks are nervous about lending to football clubs without guarantors because too many of them lose rather than make money (Everton are a loss making club). So basically without deals involving Moshiri and the Council no one would lend us money over a long term arrangement. I don't get why people want to see nthing sinister here, it's the only way to fund a deal unless Moshiri decides to build us a shiney new stadium out of the goodness of his heart (no other owner including Abramovich or the Mansours have done this in living memory).