Bank(englisch)

Why can't I take out a loan?

A company becomes creditworthy only after 10 days of existence !

The amount of the possible credit is 50% of the average company value of the last 10 days for companies with a company value (FW) of less than 1 million euros (1,000,000€)!

Subsequently, the possible credit limit decreases when the respective goodwill limits are exceeded for the first time:

   below 1 Mio FW 50%
   from 1 Mio FW 33%
   from FW 5 mn 25%
   from 25 Mio FW 20%
   at FW 125 million it is 16%
   and from 625 Mio FW it drops to 14%.

Overdraft facility

The Overdraft facility is a maximum of 5.000€ in the game and costs 3% interest.

What is the maximum amount of credit balance I can earn interest on?

The bank pays interest on a cash balance of maximum 1 million euros at the rate of 0.1% per day.

As a producer, can I get out of the minus again (overdraft interest?)

It is always possible to send and sell goods from own warehouses.

How is the credit line of the company calculated?

The credit line is calculated from the average company value of the last 10 days. Note that when reaching 1, 5, 25, 125 and 625 million euros, the percentage of the possible credit lines decreases. If this is not observed, a company can slip very quickly and deeply into the red!