In the entire chain of profit, you reach a point where you cannot generate profit anymore by "optimising" your product or its production or anything. If companies hit that point they usually start to lay off people, crunch fewer employees, wages stagnate, substitute parts of the product with ever so slightly inferior parts and so on.

It is also a point where capitalism and competition do not breed innovation anymore. Usually competition is good for innovation, but in a field, where the optimum has basically been reached and profit is mandatory, you prioritise short term profits over long term developments.
If a concept isn't proven to work immediately, it is not worth pursuing it at all. Thus experiments are almost out of the windows.

The next being, if someone actually comes up with an innovation, but starts small, a disruption of the market could be harmful to said profits as well, so you shut it down, even if it would be a good longterm investment.

and get as much profit as you can as long as you beat the % of the lender.

Not really, because the debt economy runs deep and is old and parts of these debts are not expected to be paid off, but to generate inflation and inflation is seen as natural progression within the capitalist system that increases growth. The problem is that at some point you simply generate "value" out of nothing. Same with speculation on the value of companies and stocks. I find the numbers for the networth of people like Musk extremely weird. They literally don't exist. In the case of firms like Microsoft, they are backed by product sales in some way, but this kind of new "floating capital" is purely based on information and speculation on value. A lot of value nowadays is generated purely through cloud capital and basically rent for using platforms. Which is another form of "wealth" backed by literally nothing.