On Windows you don't need to ship a new binary loader. I can just ship Windows 10 UCRT DLL (which is the new libc of Windows) to Vista and my binaries will work. The binary loader isn't interlinked with the libc.
One of the ways Windows manages to support multiple libc's is by being careful not to mix allocators; if a system API you call allocates on your behalf, your libc can't free it, the system API will offer a function to free it.
Windows loader is certainly available to user programs though; LoadLibrary has been around longer than many developers.
As for older Windows systems not being able to load new DLLs, they can; the format hasn't changed in a very long time. I've had experience with installing some DLLs on Windows NT 3.51 and running a modern Firefox, which is about 20 years behind the times.
MS haven't made this work arbitrarily far back, I believe they deprecated targeting Windows XP in one of the more recent toolchains, but that was purely a "not worth supporting" situation.
EDIT: mixed up talking about older & newer