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Defaulting on any type of business loan can feel like a migraine for business owners. The truth of the matter is while defaulting is a serious matter, the SBA does have a process in place for situations when borrowers cannot afford to repay their debt in full.. The first step is knowing what options are available to you to fix your SBA loan default problem. The second step is seeking expert help. The right expert will help you navigate the seemingly difficult SBA loan default process.