Bank & Credit

Enhance your Farming Simulator 25 experience with the Bank & Credit mod. This mod introduces a fractional-reserve bank where you can borrow money, manage debt, and expand your credit capacity through farming activities.

The bank operates as an independent virtual entity with its own equity, funded by the interest it collects. Credit is not automatically granted; it is carefully evaluated based on your income and assets.

Features:
- Three loan types: Annuity (fixed monthly payment), Bullet (interest-only, full principal at maturity), Revolving (draw and repay freely, no fixed term)
- Revolving: 1%/year commitment fee on the undrawn portion; voluntary closure when balance is zero
- Credit scoring via DSCR (12-month decay-weighted income history) and LTV (asset liquidation value with per-category haircuts)
- Five risk levels: LOW / MODERATE / HIGH / CRITICAL / REFUSED with transparent rate breakdown and explicit refusal reasons
- Risk surcharges on top of base rate: LOW +0%, MODERATE +0.75%, HIGH +2%, CRITICAL +5%
- CRITICAL applications are auto-capped at 50% of the requested amount
- Asset haircuts by category: farmland 70%, livestock 60%, buildings 55%, inventory 50%, tools 50%, tractors 40%, cash 30%
- Borrower limit: liquidated asset value plus 24-month income projection, minus existing outstanding debt
- Concentration cap: a single farm cannot exceed 25% of the bank’s total lending capacity
- Loan detail view: full amortisation schedule (Annuity, Bullet) or draw and repayment panel (Revolving)
- Bank health dashboard: equity, leverage ratio, outstanding portfolio, internal loss reserve, coverage ratio
- Annual financial report per farm
- Base rate with mean-reversion, updated quarterly (1% – 12%, configurable anchor)
- Type spreads: Annuity +0%, Bullet +0.75%, Revolving +5%
- Early repayment on Annuity and Bullet loans: full or partial by number of months (configurable penalty 0% – 5%)
- Settings (in Game Settings): starting capital (100 k€ – 5 M€), leverage ratio (5x – 20x), base rate, dynamic rate, early repayment penalty
- Separate Interest and Principal entries in the Finance tab
- Solo and multiplayer: in multiplayer, bank equity and portfolio are shared server-side across all farms
- Compatible with FS25_Invoices and FS25_RedTape mods

Important: This mod replaces the vanilla loan system, automatically clearing any vanilla loan balance at the game start.

Version 1.0.1.0:
- Fixed multiplayer synchronization of paid loans and annual reports
- Fixed Bank tab display in the menu
- Fixed repayment and draw amount fields accepting letters
- Added full translation coverage for all 27 supported languages