Legal analysis: in private lending, if the borrower is unable to repay, he can apply to the lender for installment or deferred repayment; If the lender disagrees, the borrower still needs to try his best to raise repayment funds, otherwise the lender can sue the court for rights protection according to law, or apply to the court for enforcement after winning the case.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 678 The borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be postponed.