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I would like to suggest introducing Fast Credits for teams: a short-term loan system designed to help managers make investments without having to wait multiple weeks to accumulate cash.

The main idea behind the feature is to improve financial flexibility while still preserving risk and long-term planning.

Available loan tiers
Teams could choose between five loan amounts:
- $100 000
- $150 000
- $200 000
- $300 000
- $500 000

Interest rate
All loans would carry a fixed 50% interest rate.
So, borrowing $100 000 requires repayment of $150 000.

Repayment system
The loan would be automatically repaid in full during the Monday financial update on the second Monday after the loan was taken. This keeps the system simple and prevents long-term debt accumulation.

Main purpose of the feature
The main purpose of Fast Credits is to allow teams to invest when opportunities appear instead of being forced to wait several weeks for liquidity.

This could help managers:
- invest in arena expansion sooner
- purchase players when attractive transfer opportunities appear
- hire or upgrade staff members
- accelerate rebuilding projects
- manage short-term investment timing more effectively

Currently, many teams are forced to postpone investments simply because their available cash and market opportunities do not align in the same week. Fast Credits would help bridge that gap.

The system would also add another strategic financial layer to the game

Why this system could work well
The 50% interest rate is intentionally very high. The feature would therefore function as a strategic tool rather than free money. Managers would need to carefully decide whether the immediate investment opportunity is valuable enough to justify the heavy repayment two weeks later. The goal is to give managers another strategic option for handling investment timing and team development.

What's your take on this proposal?
Can this feature be included in the game?
Do you like the proposed loan tiers (and the interest debt)?

Hello

I think it's a great idea. At same time. I don't see a lot stipulations with it without just paying it back . Arena will always be better than a loan. Of 150k.. I don't think a loan should be used to buy players or anything like that. not discrediting your fabulous idea.

I did my area in about 2 season time .

Well, with the Cash Loans you will be getting certain amount of cash. It has nothing to do with the interest rate of teams in the deficit. What I'm proposing is introducing a financial instrument known to mankind since 14th century. Businesses (including basketball teams) use such instruments regularly. Nothing new there. Let me give you two examples where some would find this instrument very handy:
- Say you have $100k in the reserves, you are targeting a transfer of a player who is $150k, but the transfer deadline is before your next home game. You can never bid on the player in the current system. However, if you had the option to take a loan, you will be able to place a bid on the player. You have two Mondays to figure out how to sort your expenses, whether you will sell/fire some players, fire staff members etc. It's up to you.
- Your team got promoted. You know you will sell out your current somewhat small-ish arena and will be making more money in your next weeks. But you can't invest on arena upgrade more cash than you currently have in the cash reserve. You wish you had more money than the promotion bonus to add more seats earlier in the season. With the Cash Loans you would.

The proposed interest rate of 50% may sounds harsh. Would you be interested in the Loan system if they were say 30%?

Tell me, how can you place a bid on a player whose starting price is 150k when you have 100k in your cash reserve?
The trade deadline ends in 10 minutes and none of your players is on the transfer list. Btw it is Friday so you are stuck with your 100k in your bank.

It is a viable suggestion to my taste,but it should have some additional regulations attached to it such as:

The feature cannot be used on your team debut season in order to avoid heavy spending by unwise/unexperinced managers(altough some are returning managers but it is better to be safe than sorry)
The feature cannot be used to cover up deficit or paying up overextension tax
The feature cannot be used by "Cash Hoarding" teams as defined in BB
The feature cannot be used more then a few times in a season(let's say 3 times for arbitrary example)