... non-critical expenses so that there is always enough money to service the debt. Creating a reserve fund. Despite all the plans, the market can be unpredictable. To avoid being caught off guard by loan payments, create a reserve of at least several monthly payments.... ... amount of the debt, you will reduce the overpayment of interest. However, first make sure that there are no penalties for early closure and that the business has enough working capital for current needs. It is worth repaying the loan ahead of schedule when ...