Typically venture debt loans have a couple of different repayment options: a flat interest rate or deferred interest with a final payment option. And while this question feels very critical, the actual math on the internal rate of return for the cost of this capital works out to be just about the same with either option. In general, pushing out the payments will allow you to use those funds for other purposes, so that might be better for your situation. If you think you will be able to prepay on the loan, a flat interest rate may be the better option.