Requirements for Taking a Loan

• You can only take a loan when your total credits (in pocket + in bank) is less than 100
• When you take a loan, the full amount is added to both your credits and your debt
• You keep the loan balance as spending credits immediately

How the Max Loan is Calculated

Formula: Maximum Loan = 1000 ÷ 2^{(Debt ÷ 1000)}

• Starting with 0 debt: You can borrow up to $1000
• As debt increases: The maximum loan amount decreases exponentially
• Example progression:
  • $0 debt → Max loan: $1000
  • $1000 debt → Max loan: $500
  • $2000 debt → Max loan: $250
  • $3000 debt → Max loan: $125
• This forces you to pay back debt gradually to access new loans

How Payment Works

• To pay back your loan, use the Payment Amount input
• Enter any amount and click Pay Loan
• Your credits are deducted and debt is reduced by the same amount (1:1 ratio)
• You can pay any amount up to your current credit balance and remaining debt
• No interest charges – you only pay back what you borrowed

Strategy Tips

• Early stage: Borrow the full $1000 to bootstrap your games quickly
• Compound effect: Win games → Get more credits → Pay debt gradually → Take more loans
• High debt = Low loans: Paying back debt early is essential for accessing future borrowing
• Risk management: Only borrow if you have a plan to repay (e.g., profitable game strategy)