R’ Shraga Feivel answered her: “Are we better than this Yid? Every year we stand in judgment before Hashem during the Aseres Yemei Teshuvah and ask Him to forgive our aveiros. We plead for selichahand mechilah from Hashem, and we promise to be chozer b’teshuva shleimoh. Even though min hadin we do not deserve Hashem’s forgiveness since we have not repaid the old loan, so to speak, and done a complete teshuvah, we really aspire with all our heart to change for the better and we pray that Hakadosh Boruch Hu will listen to our cry. We return with this same request, year in and year out. Despite all our promises, we continue to revert to our former ways. At this present time, this merchant wholeheartedly intends to repay all his debts. If so, are we not obligated to fulfill his request?”

They both decided to give the merchant the additional loan.