Specially when you want to invest more money to your business, but you are still paying the previous installments. That time we feel like helpless. That is why I advise people to take as small loan as possible, take it only when it is emergency.Having issues clearing outstanding loans is a very big issue that you will always find it difficult to get free from. It's like someone thrown into a pit filled with miry clay as you try to get out you sink deeper. A loan is best avoided if you can.