1. Pay off in one lump sum on time: As an enterprise, if the money is coming soon, it must be repaid in time. Enterprises should issue transfer checks or pay cash directly to banks. The bank accountant will conduct accounting, calculate the interest and repayment amount, and fill in the receipt voucher in triplicate according to the loan amount. The first and second copies shall be submitted to the bank as vouchers, and the third copy shall be returned to the enterprise after the bank affixes the official seal of the business and the name of the agent. At the same time, the bank stamped the cancellation seal on the iou and handed it to the borrower.

2. Partial repayment: In the initial stage of starting a business, you will often face many problems. If you have sufficient funds on hand, you will choose partial repayment. In this case, the bank will not return the IOU, but record the installment repayment on its IOU. Interest is calculated according to the repayment of the principal, that is, "interest is repaid with the principal", and interest is gradually paid off according to the repayment situation.

3. Delayed repayment: risky loans are often unable to be repaid. If there are special reasons, you can apply for an extension. The specific process is as follows: submit an application for loan extension to the bank or credit cooperative within seven days before the loan expires, explaining the reasons for the extension and the repayment period after the extension. After the bank's examination, if it meets the requirements, it can go through the extension formalities. The banking regulations in each region are different, so you need to consult the bank for details.