Great to catch up with you again. We’ve been working on the Banking area of the game. While it’s still work-in-progress, we thought you’d like to take a look.
The bank provides loans to businesses, repayable over five years. The loan amount you can access at anytime will depend on your company’s debt-to-equity ratio, a measure the bank uses to assess how risky it is to loan your business money.
Ever heard the saying, “A bank is a place that will lend you money if you can prove that you don’t need it”?
Well, this bank works a little bit like that too. 😃
They are happy to lend you substantial amounts as long as your debt-to-equity ratio is low, and you are flush with cash.
As you take more loans and your debt-to-equity ratio rises, the loan amounts you can access drop, and the interest rate rises for each loan.
When your debt-to-equity ratio gets too high, the bank classifies your business as High Risk and stops lending you money till you repay some of your outstanding loans.
A word about the Interest Rate: The Interest Rate reflects the nation’s economic situation and your creditworthiness as a borrower. A few months after the economy enters a recession, the Central Bank will begin to drive the interest rate down to give out more loans to stimulate the economy.
If your risk rating with the bank is in the green, you will be able to get loans at great interest rates at such times, and there’s no telling where that money will take you.
That’s all for today. Cheers 🥂.
Don’t forget to Wishlist the game if you haven’t: https://store.steampowered.com/app/1429080/Business_Heroes_Food_Truck_Simulation/
Live Long and Prosper 👋,
Kunal & the team