Loans for small companies

[Guest]

The moderators often give the reply to ppl coming with ideas that its important to help the small companies. The way loans work now, loans are not a benefit for the small companties cuz you have to be quite high lvl to take out a loan. Instead I think it would have been nice if ONLY small companies were able to take out loans. That would surely have given the small companies a big boost in the beginning, making them a bit bigger. Then when they later pay back the loan their growth speed would of course decrease for a period of time.

Then we would have more medium sized companies

[Guest]

wow
be aware of the interests. 10% are really high

and if they forgot to pay back the credit the company is resetet. Well, a reseted small company is not as bad as a reseted big one... but I think it is good the way it is

even because of cheating.
somebody founds a new company - raises a credit - buys goods from other companies - and then he burnes his company. so you could push your company....

[Guest]

yea, I agree a bit with you. But I thought that contracts below normal prices was closely watched by the admins. So that if someone cheated in that way, the big company that did that would be deleted if the admins found out. I really thought that the admins are sort of like gestapo, if you do something tiny little illegal you get deleted. I probably get deleted for writing this, hehe. Just kidding. Or isnt the "security" from cheaters as good as I think? cuz if you are right, my idea would just have been an other big chance for cheaters.

[Guest]

your idea has been another big chance for cheaters - but they will not have any chance against the "gestapo"-system


but it's great that there are users with lots of new ideas. just go on and the admins will have lots of new ideas to think about for a new version

[Guest]

But I thought that contracts below normal prices was closely watched by the admins.

Yes, but that doesn't excuse making more work for them.

New players get 600,000 caps and a whole bunch of materials. Free. Zero interest. The idea that they "need" a loan is a rather arbitrary distinction, since size is relative. Giving them more money (via starting funds or a loan) would enable growth more quickly, but because of that players would get to large and gigantic sizes faster too. It's a net wash.

On the other hand, 10% interest is a tough amount to meet (and not by accident). If you opened up loans to newer players, many wouldn't realize how crippling it is. They aren't necessarily in the most profitable businesses, and very likely could be getting less than 10% ROIC. (Return on invested capital.) That means they're losing money every day they keep the loan out, but might not know it. You'd be setting them up to fail.

That's why it's restricted to higher-level players. The game is rather friendly in that it's pretty hard to lose money. (Unlike the real world.) Making loans easier would work against that. (On top of which, the cheating thing. . .)

By the way, if any new players would like a jump, just buy some coins and sell them to other players. At the current rate (which continues to rise), you can get 9 million caps for 2 Euros. That is a month or two of time as a small business, that you're jumping past for a tiny investment. (And bear in mind the largest companies have been smart about purchasing coins from the day the realm opened up.)[/shill]