There are several types of loans in Rise of Industry to help get through the tough times.
Starter Loan: This loan is the starting budget when a player starts a game. The amount varies depending on the difficulty chosen at game creation. If the player set the difficulty low enough, then the loan becomes a grant and does not need to be repaid.
| Difficulty | Starting Loan | Interest% | Length |
|---|---|---|---|
| Newcomer | 10 Million | n/a | n/a |
| Normal | 10 Million | 0% | 10 yrs / 120 months |
| Veteran | 7.5 Million | 0% | 7.5 yrs / 90 months |
Settlement Loan: If you want to set up a new product line or coming up short for this month's payment but want to avoid the Bankruptcy loan, you can take out a loan with one of the Settlements on your map. Though there is a baseline loan with all Settlements, If you have enough Influence with a particular Settlement, you can lower the interest rate, increase or decrease the lending amount and even change the duration of the loan. Loans are taken out through the HQ Building.
| Difficulty | Amount | Base Interest % |
|---|---|---|
| Easy | Population(rounded up to nearest 100K)/100k * 5m | 25% |
| Normal | Population(rounded up to nearest 100K)/100k * 5m | 25% |
| Veteran | Population(rounded up to nearest 100K)/100k * 5m | 25% |
Bankruptcy Loan: This is a last-ditch effort for the player to save their business before it's game over. If you *finish* a month without enough money in the bank to pay *all* of the loan and upkeep costs that are due on the 1st of each month, ending even $1 in the negative, then you will be considered bankrupt and given the option of a Bankruptcy Loan (as long as you don't have 3 outstanding loans already--if you do, then you can't take a fourth and the game is over). Note that going into the negative mid-month is fine, it's only the upkeep at the 1st of each month that can trigger a bankruptcy.
The loan is 5 Million dollars for 60 months at 25% interest without the possibility to change it with influence, a harsh deal indeed, but if you refuse the loan then you will be immediately taken back to the starting menu instead. If the Player can turn their empire around though, it might be worth a try. Remember that you can repay the loan at any time if your cash balance is higher than the remaining balance. If your upkeep shortfall was small enough, you could even repay the loan within the same month you took it and not pay any interest at all.
Viewing and paying off loans: To view and pay off loans, you can visit your Headquarters by pressing H and clicking on the Headquarters building. In the Loans tab you can see your current loans with their amount remaining, number of payments remaining, the monthly payment amount and the interest in % that you will have paid if you resolve the loan just by paying the monthly payments for the whole remaining term. In this tab you can also immediately pay off the remaining balance of any loans you currently have without penalty, saving yourself all the interest you would otherwise have paid over the rest of the term.