The reason it says "אם כסף תלוה את עמי" is the reason that we don't make a Bracha on משלוח מנות.

From Maharal with Rabbi Hartman by R Yehoshua Hartman.

• Published: 2025-02-18T23:22:22.809Z
• Duration: 0:13:27
• Books: Exodus
• Parsha: Mishpatim
• Audio: https://cdn.jwplayer.com/videos/ZMTnOw8T.mp4
• Page: http://outorah.org/p/218235
• TorahApp: https://torahapp.org/share/p/OU_4117?e=http%3A%2F%2Foutorah.org%2Fp%2F218235