The black Cats are still trying to come to terms with the loss of star striker Darren Bent to Aston Villa in January and young midfielder Jordan Henderson to Liverpool this off-season but Bruce says that the club will not splash the cash on big-name signings.
Bruce has done well with loanees in recent seasons and sees no reason why he shouldn't go down that path again.
"I always go into the loan market - certainly with British players - looking for a player who has something to prove," he told the Shields Gazette.
"Nedum (Onuoha) and Danny (Welbeck) last season, the one thing about them was that they were desperate to play regularly.
"It also helps you financially too - imagine trying to buy the likes of Danny, Nedum or Sulley Muntari on the open market.
"The downside is the fact that you rarely have them for longer than a season, but where else can you find an £8m defender or £10m striker for your squad for nothing?
"It's an area of recruitment that has become more important in recent seasons, and certainly this summer we will be looking at the loan market to see where we can get value for money."