The game has several ways to finance your company if you run into money issues or if you're looking to expand without stressing your bank accounts. All of these financial operations are located in the Financial room, and you'll find more information about the GUI on the Financial page.

Line of Credit is a type of revolving debt, similar to a credit card. When you get a line of credit, the bank gives you a maximum spending limit. You're free to use to that limit. The money you use is called a balance, and you'll pay interest on that balance each month.

Lines of credit are good for small borrowing needs and last-resort options. You should always get larger lines of credit while your company is doing well. You can always increase your maximum while you have balances. Increasing your maximum is wise because if you ever find yourself in a situation where your company is failing, banks will not be willing to give you a line of credit, nor will they raise your maximums.

Loans are a medium-term type of debt. They have higher requirements than Lines of Credit, but you can borrow more money with them. Compared to bonds, the maximum amount you can borrow is less, and you have to pay more interest. However, you need less credit to get one, and they're shorter term.

With a loan, you will make monthly payments. These payments also include principal. So you will be paying down the debt with every payment, and the amount you have to pay each month never changes until the loan ends.

Loans are a good choice if you want a debt that you'll start paying off immediately, thus reducing the amount of debt on your books every month. Loans also have the benefit of not having a maturity date like Bonds, so there is no large one-time payment. The credit requirement for loans is also lower than bonds, and your credit will recover faster when taking a loan compared to a bond. Unlike bonds, you can also pay off a loan at any time.