Fairer, risk-based bank loans
Loan quotes now surface only the best grade you qualify for at the requested amount, with rates priced to the loan size. A default follows you across every company you own — it raises your rates and can lock you out of a bank for a cooldown — so you can't shed a bad record with a fresh corporation.
Bank lending has been reworked to be clearer and to price risk properly.
One best offer per bank. Instead of a wall of overlapping tiers, each bank now shows only the best grade you qualify for at the amount you asked for. Banks that decline still show the reason, so you always know where you stand.
Rates scale with the loan. The rate you're quoted reflects the size of the loan, not just your grade. A small loan you could easily cover prices near the floor; a loan close to a tier's ceiling for your balance sheet prices much higher. Asking for a prime rate on a modest sum doesn't entitle you to that rate on a huge one.
Defaults follow the player. A default is no longer something you can shed by opening a fresh company. Your default record is assessed across every company your ownership group holds — it raises your rates and can lock you out of a bank for a cooldown period. Borrow responsibly: the whole portfolio remembers.