This will not be detained. You can make a suitable repayment plan according to your income, and I hope the bank can adopt it. Otherwise, your two factories will be miserable and will be jointly and severally liable. This is a civil lawsuit and will not be detained. It's hard to say if the bank accuses you of financial fraud. So you still need to prepare some documents to prove that you can't repay the loan normally because of poor management, rather than maliciously defrauding the loan.