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How to negotiate a second installment of online business loans due to the epidemic?

Online merchant loans negotiate a second installment repayment due to the epidemic:

1. Communicate with the online merchant loan platform and let the platform give you the opportunity to repay the loan in second installments appropriately. Increase interest rates.

2. If online merchant loans cannot be repaid on time due to the epidemic, they can negotiate for a second installment repayment through legal channels.