The money supply "increases" when banks lend because of the double entry accounting system. They give you a loan, you can deposit the money in a bank account, and they have more deposits to loan out. It's literally just lending the same dollar twice, not inventing or creating money. (Well... somewhat less than $2 because of reserve requirements).

That's not inventing money.

[0] Every sustainable business sells for more than it pays.

[1] Central banks won't make that money available directly to me.