Bank and Credit

Bank & Credit adds a fractional-reserve banking system to Farming Simulator. Borrow money, manage your debt, and grow your credit capacity through smart farming decisions. Three loan types:

• Annuity: Fixed monthly payment over the full term
• Bullet: Interest-only payments with full principal due at maturity
• Revolving: Draw and repay freely with no fixed term

Credit evaluation: The bank assesses your income and assets using DSCR and LTV metrics. Five risk levels (LOW, MODERATE, HIGH, CRITICAL, REFUSED) come with transparent rate breakdowns and clear refusal reasons. Key features:

• Asset haircuts by category (farmland 70%, livestock 60%, buildings 55%, inventory & tools 50%, tractors 40%, cash 30%)
• Concentration cap: a single farm cannot exceed 25% of the bank's total lending portfolio
• Loan detail view with full amortisation schedule (Annuity, Bullet) or draw & repayment panel (Revolving)
• Bank health dashboard: equity, leverage ratio, outstanding portfolio, internal loss reserve, and coverage ratio
• Annual financial report per farm
• Configurable base rate (1.25% – 5.75%) with persistent monthly market trends
• Risk surcharges: LOW +0%, MODERATE +0.75%, HIGH +2%, CRITICAL +5%; CRITICAL applications auto-capped at 50% of requested amount
• Early repayment on Annuity and Bullet loans (configurable penalty 0% – 5%)
• Separate Interest and Principal entries in the Finance tab
• Full multiplayer support with shared server-side bank state

Note: This mod replaces the vanilla loan system. Any existing vanilla loan balance is automatically cleared at game start. Compatible with FS25_Invoices and FS25_RedTape.