You don’t load 3 images into a single texture… you create 3 textures and apply them each to a single face. They are then applied in the order specified, each as a texture stage.
I don’t know if you use chicken but it fully supports this - apply multiple textures in Blender and they will all be applied to the face. It doesn’t give you any direct control over the operands, though it does interpret a few of the combine modes to allow for some level of intelligent mixing, plus has stencil support.