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Partners after the Guardian's money entering loan, if poorly represented in time? (4-11)

Ross

I believe the answer is:

four-dimensional

I'm a little stuck... Click here to teach me more about this clue!

'in time?' is the definition.
Both the definition and answer are adjectives.
Maybe there's an association between them I don't understand?

'partners after the guardian's money entering loan if poorly represented' is the wordplay.
I cannot really understand how this works, but
'partners' could be 'ns' (North and South are partners in the game bridge) and 'ns' is present in the answer.
'guardian's' could be 'our' (belonging to the newspaper the puzzle is part of) and 'our' is found within the answer.
'money' could be 'dime' and 'dime' is located in the answer.
an anagram of 'loan' is 'onal' which is present in the answer.
This explanation may well be incorrect...

Can you help me to learn more?

I've seen this clue in The Guardian.
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