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...............!
20L you would want the smaller kuhlii loaches. They do not have a large bioload, and will have plenty of room to worm around. Get some anubias plants with lots of leaves and big roots, and they will play in them all day. Mine even take naps in the anubias broad leaf roots/leaves during the day. Also....bettas are 50/50 with most schoolers. I had a super passive betta, Rosy, and she ignored everyone but my gourami, and even they didn't really ever go at each other (except to flare during feeding, lol). Bigger tetras would work, but being a 20L you are quite limited.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?