Awww! But they are so pretty! They have little silver tips!!!
Oh well..... I'd rather not have them than have unhappy ( or dead ) fish...............!

There are many different kinds of Kulie loaches. IMO, 4-5 Kulies (Pangio kuhlii) would be fine in a 20L. The thick bodied Kulies would not be a good idea.
Also not all tetras will go with Bettas and guppys. Which tetras are you thinking of?