If you can’t afford the monthly payments, you may need to consider waiting or requesting a lower loan amount.Repayment schedule. As a part of your repayment terms, your lender will also determine your required repayment schedule. Most business loans use monthly or weekly payments. Daily or weekly payments can eat into your cash flow and make it harder to afford the loan.Loan repayment terms. Depending on the type of business loan, terms can range from three months to 25 years. The term of your loan impacts ...