The verified credit-limit change
The June Demo patch explains that credit no longer collapses merely because cash is low: borrowing limit now follows credit score. That distinguishes current liquidity from the game's assessment of borrowing capacity.
A loan decision framework without fake rates
- 01
Name the bottleneck the borrowed money would remove.
- 02
Enter the cost and expected operating effect using values visible in your build.
- 03
Keep repayment and interest as unknowns until the game displays them clearly.
- 04
Compare the investment with doing nothing for the same number of shifts.
- 05
Borrow only when the restaurant can survive an estimate that proves too optimistic.
- 01Name bottleneckWhat changes?→
- 02Read offerUse build values→
- 03Stress testProtect operations→
- 04MeasureCompare shifts
What must be captured after release
| Rule | Current evidence state | Verification method |
|---|---|---|
| Borrowing limit | Linked to credit score | Compare displayed limits at known scores |
| Interest rate | Needs release check | Record the offer and total repayment |
| Repayment timing | Needs release check | Observe due dates and deductions |
| Missed-payment effect | Needs release check | Test only on a recoverable save |
| Maximum credit score | Needs release check | Record the visible range |
Mistakes the verified facts do not support
Assuming low cash automatically means low credit capacity after the Demo change
Publishing one player's offer as a universal rate
Calling the maximum loan fixed without testing progression or build state
Ranking a financed upgrade before its cost and throughput are measured
Treating an in-game loan mechanic as real-world financial guidance
Questions this page should settle
What controls the borrowing limit?
The official June Demo update says the borrowing limit is tied to credit score rather than cash on hand.
What is the loan interest rate?
No verified universal rate is published here. It needs to be checked in the release build.
Does low cash reduce credit?
The Demo update specifically says credit no longer collapses when cash is low.
Source Check
Last checked . Facts can change after the release build unlocks.