Bank & Credit adds a fractional-reserve bank to Farming Simulator 25. Borrow money, manage your debt and grow your credit capacity by farming.

The bank is a standalone virtual entity with its own equity, funded by the interest it collects. Credit is not granted automatically: it is 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 - 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 (the bank still lends, but at a reduced size)

- 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 (not player-loan reimbursement), 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: invoice income counts in DSCR history

- Compatible with FS25_RedTape: subsidy and grant income counts in DSCR history

Important: this mod replaces the vanilla loan system. Any vanilla loan balance is automatically cleared at game start.

Issues & suggestions: https://github.com/Squallqt/FS25_BankCredit

Access via the dedicated tab in the InGame Menu (ESC).