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Help on Loan consolidation

Hi all,
I am setting up ERPNext for a Non Profit, the purpose is to use it form Loan Management for their members.
Everything is working fine for Loan application, monthly loan repayment,
But I just came across an entire different case where we do Loan Consolidation.

A member has several smaller loans (2 or more), they are both paid separately, along the way, the member decides to combine the 2 loans into one and continue repayment from where they ended.

So to make payment easier, we sometimes combines 2 or more loans into single big loan,

Can I achieve something like this?

Thanks

Hi, how do you handle loan Management from businesses to their clients?

Where clients are not employees.