Drug loading strategies and the methods derived for implementing those strategies are crucially important to the preparation of drug loaded human serum albumin nanoparticles (HSA-NPs), because each of them is focused on wrapping up specific types of drugs via certain physical and chemical properties. However, poor adaptability still exists to load drugs like model substance 10-hydroxycamptothecin (HCPT) by conventional methods. Because it typically represents a large class of water-insoluble drugs, who also structurally possess a certain number of hydrophilic groups. So even though they majorly have lipophilicity but they are of low liposolubility. This article presents a new concept of a loading strategy that takes a drug polymer liquid compound as a loading medium. The drug polymer liquid compound was made from low weight polyethylene glycol (l-PEG) and HCPT. Consequently, this strategy has managed to fabricate HCPT-loaded HSA-NPs through an unconventional approach that overcomes drawbacks of current loading means and better results have been obtained, like high entrapment efficiency (over 99%) and less toxicity involvement. Afterward, in vitro and in vivo evaluations and characterizations were performed to help with the in-depth interpretation of the loading mechanism in order to reveal and further investigate the possible far-reaching applications of this method.