You don't need a loan kit if the motherboard has bios flash button & bios usb port.
Use a USB2.0 stick.
Don't know how msi works, but my board you have to rename the bios folder.
Ryzen 5 5600x, B550 aorus pro ac, Hyper 212 black, 2 x 16gb F4-3600c16dgtzn kit, NM790 2TB, Nitro+RX6900XT, RM850, Win.10 Pro., LC27G55T..