Since the beta release, it is now possible to borrow virtual money on Investycoon.

In this article, we’ll revisit the concept of borrowing and debt, then walk you through this new feature in detail, with concrete examples and strategic advice.

What is Borrowing?

A loan is a sum of money provided by a lender in exchange for signing a debt contract.
The borrowed funds can be used to acquire goods or services that would otherwise be out of reach with your own capital.

The borrower commits to repaying the loan according to the terms defined in the contract.

Finally, the lender may require compensation for the service provided and the risk taken — these are called interests.

Examples

The most common example of financial leverage is a mortgage loan.

It allows individuals to finance the purchase of real estate, which is usually far too expensive for the average household.
Thanks to a mortgage, the buyer can still acquire the property by committing to repay the bank over several decades.

Similarly, companies and even governments use loans to finance large-scale investments.

⚠️ On the other hand, consumer credit should generally be avoided, as it only finances day-to-day expenses.
Remember: a “good debt” should always contribute to future growth and wealth creation.

Borrowing on Investycoon

Both players and companies can borrow virtual money in Investycoon.

It’s simple:

• From your profile for a personal loan,
• Or from your company’s Administrator section for a business loan.

You will then see the following page:

After choosing the desired amount, you will need to set the repayment duration.

Note

Loan repayment (including interest) is carried out automatically at the end of the selected period.
In a future update, progressive repayment will also be possible.

Narrative Example

Imagine you are running a virtual textile company. You want to buy a new machine that costs 10,000 credits, but your current funds aren’t enough.
You decide to apply for a loan:

• Amount requested: 10,000 credits
• Duration: 12 months
• Interest rate: 10%

👉 At the end of the period, you will need to repay 11,000 credits (10,000 + 1,000 interest).

If your sales increase thanks to the new machine, the loan will have been an excellent investment. But if your revenue stagnates, repayment could put your finances at risk.

Loan Simulation

Before confirming your request, it’s important to review the interest rate offered by the lender.
A rate that is too high could put you in financial difficulty when the repayment date comes.

The total cost of the loan therefore depends on both the interest rate and the repayment duration.

Decision Support

To help you make smarter choices, the G.S.A (Global Suprem Authority) provides a real-time financial rating, inspired by the mechanics of credit rating agencies (Fitch, S&P, Moody’s, etc.).

This rating indicates how likely your loan is to lead to financial difficulties.

Here’s the rating scale:

⚠️ The G.S.A only grants loans to players with a rating of C or higher.

The rating is calculated based on several factors:

• Debt / Income ratio: can your recent income cover your debt?
• Debt / Liquidity ratio: can your cash flow handle the interest?
• Debt / Assets ratio: can your total wealth serve as collateral?
• Payment history: have your past debts been repaid on time?

Strategic Advice

• ✅ Borrow to invest: only take loans that fund a project generating future revenue.
• ⚖️ Watch your ratios: a loan that’s too large compared to your income or liquidity may lead to bankruptcy.
• ⏳ Choose the right duration: too short a repayment period increases your risk of cash flow shortages.
• 📊 Trust the G.S.A rating: a high rating is a good sign, but always double-check your situation.

What’s Next?

This feature is only the first step. In future updates:

• Players will be able to lend money to other players, creating a true credit market.
• Interest rates will evolve dynamically based on supply and demand in the virtual economy.
• New mechanics will further enrich the debt and investment system.