What is the ruling on the pledgee benefiting from the fruits of the pledged garden?

The Shaykh : The question says: A person pledged a garden to someone for fifteen thousand pounds, and this pledgee who gave the money utilized the garden until the debtor repays him. Is this permissible or not? The answer is: It is not permissible, because this means it is a loan that yielded a benefit, and every loan that yields a benefit is riba (usury or interest).