Standard Bank inflexible bizflex loan

Standard bank bizflex loan is anything but flexible. Took out loan last year with auto payback of 6.35% on all deposits. Was a good idea and work well before C19. Small business struggling to start trading again and crushed by loan. Have tried to negotiate with the bank with no success. Even deducted 6,35% from Covid relief Sukuma trust and UIF ters. Will not re-negotiate pay back terms irrespective of current pandemic.