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
- Configurable base rate (1.25–5.75%) with persistent monthly market trends
- 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
- 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).
Changelog
1.1.0.0:
- Fixed bank settings persistence and multiplayer UI synchronization
- Revolving credit limits now follow leverage-ratio changes
- Reworked dynamic interest rates into persistent monthly market trends with stable, normal, strong, and exceptional movements
- Adjusted the configurable base-rate range to 1.25–5.75%
- Improved multiplayer safety: bank and loan state is now only synced from the host, preventing corrupted or tampered data on clients. Thanks to KeilerHirsch: https://github.com/KeilerHirsch
- Existing saved base rates above 5.75% are automatically capped at 5.75%
- Added compatibility with FS25_additionalCurrencies: amount fields for loans, repayments, and revolving draws now accept values in the active converted currency
1.0.1.0:
- Fixed multiplayer synchronization of paid loans and annual reports
- Fixed Bank tab display in the menu
- Fixed repayment and draw amount fields accepting letters
- Added full translation coverage for all 27 supported languages
1.0.0.0:
- Initial release
