Loan & bankruptcy

Borrowing, and what happens when the money runs out.

You start in debt, and that is fine. What matters is that your balance does not stay below zero.

The loan

• You start with $250,000 in cash, all of it on loan.
• Borrow or repay $25,000 at a time in Finances (F).
• Interest is 4% a year, charged monthly: every $100,000 you owe costs about $333 a month.
• Repay when you have spare cash. You can always borrow again.
• Start-up money and the maximum loan are chosen when you start a game: see Game options.

Bankruptcy

Every month that ends with a negative balance is a month in the red. Count them:

• The news warns you after 1, 6, 10 months in a row.
• After 12 months in a row the company goes bankrupt and the game ends.
• Ending any month above zero starts the count again. Borrowing is the quickest way.
• Rivals can go bankrupt too: their vehicles are scrapped and their lines torn up.