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The Cirrus Bank: NOW OFFERING CONSULTING!


Ashland
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Nation Name: Southern Sweden

Alliance Name: Ignis Imortales

Credit References: (Anyone who can vouch for your reliability)

Guarantor(s): (Nation(s) or Alliance(s)) -For Any nations under 15 days in age, this is mandatory.  For all else it is not mandatory but will reduce your interest rate.

Daily After-Cost Revenue: (We reserve the right to ask for a screenshot of your Revenue page)

Did Someone Refer You To Us?  If so, Who:

Amount you would like to borrow: $400 000

What Is Your Investment Plan: (this is not mandatory, but a sound investment plan will make your loan appear less risky to the Bank) Buying a third city
 

I, (Southern Sweden), agree to the following if I choose to accept a loan from the Cirrus Bank:
-Pay all interest associated
-Repay the principal
-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

pwzK3cd8SS65e9vYtF-QIQ.png
 
 
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I would like to know if can increase the size of the loan I currently hold. I've been saving up to go through with the development I was planning, but it will still take me a while to obtain the amount of money I'll need to actually go through with it. I've calculated the cost of my developments to be around $6,000,000 (partly because I'm using nuclear power, partly because I'm fully developing three cities at once). I currently have saved up about $2.5 million; in the interest of finally going through with the development, I was hoping that I could merely increase the size of my loan and retain the same interest rate and such. In case it will be necessary, I have filled out the application again with the increase I feel will be needed.

 

Nation Name: Roma

Alliance Name: The European Empire

Credit References: Netherlands, Ashland (been paying my bills!  :))

Guarantor(s): N/A

Daily After-Cost Revenue: $127,000, plus about $430,000 in resources

Did Someone Refer You To Us?  If so, Who: N/A

Amount you would like to borrow: $3,000,000

What Is Your Investment Plan: Complete the development of my three cities so I can boost my income, then perhaps build a fourth city shortly afterward
 

I, Roma, agree to the following if I choose to accept a loan from the Cirrus Bank:
-Pay all interest associated
-Repay the principal
-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

Edited by Roma

"Bibant, quoniam edere nolunt." ~ "Let them drink, since they do not wish to eat."

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Nation Name: Grillichnya

Alliance Name: Green Protection Agency

Credit References: Who needs references?

Guarantor(s): (Nation(s) or Alliance(s)) -For Any nations under 15 days in age, this is mandatory. For all else it is not mandatory but will reduce your interest rate.N/A

Daily After-Cost Revenue: $1,092,954.93

Did Someone Refer You To Us? If so, Who: Just you.

Amount you would like to borrow: 1,000,000

What Is Your Investment Plan: [Classified]

 

I, Grillichnya, agree to the following if I choose to accept a loan from the Cirrus Bank:

-Pay all interest associated

-Repay the principal

-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

 

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force. I agree to inform any alliance I may join while holding this debt of this arrangement.

 

Approved.  How does 6.92% sound?  All offers are take-it-or-leave-it.

 

 

Nation Name: Even Newer Brasil

Alliance Name: United Nations

Credit References:  None

Guarantor(s): (Nation(s) or Alliance(s)) - None

Daily After-Cost Revenue: ($28,128.00)

Did Someone Refer You To Us?  If so, Who: Nope.

Amount you would like to borrow: $750,000

What Is Your Investment Plan: I will use this money to buy more infrastructure for my third city.

 

I, (Even Newer Brasil), agree to the following if I choose to accept a loan from the Cirrus Bank:

-Pay all interest associated

-Repay the principal

-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

 

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

 

Approved.  7.12% is the offer.  And we won't have the money for a little while.

 

Because of the war, everyone's a little short on cash.  We're doing our best to meet the demand for loans, however.

Edited by Ashland

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[10:47] you used to be the voice of irc

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I no longer require a loan at this time.

Very good.  Let me know if that changes.

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[10:47] you used to be the voice of irc

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Nation Name:South Land

Alliance Name:Black Knights

Credit References: (Anyone who can vouch for your reliability

Guarantor(s): stealthpenguin

Daily after-cost Revenue: 19,000

Did Someone Refer You To Us?  If so, Who:stealthpenguin

Amount you would like to borrow:300,000

What Is Your Investment Plan: Buying infra

 

I, jaguar agree to the following if I choose to accept a loan from the Cirrus Bank:

-Pay all interest associated

-Repay the principal

-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

 

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

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Nation Name:South Land

Alliance Name:Black Knights

Credit References: (Anyone who can vouch for your reliability

Guarantor(s): stealthpenguin

Daily after-cost Revenue: 19,000

Did Someone Refer You To Us?  If so, Who:stealthpenguin

Amount you would like to borrow:500,000

What Is Your Investment Plan: Buying infra

 

I, jaguar agree to the following if I choose to accept a loan from the Cirrus Bank:

-Pay all interest associated

-Repay the principal

-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

 

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

We'll go with 7.15% for 500,000 dollars.  Sound like a deal?

 

Won't you shake a poor sinner's hand?

Edited by Ashland

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[10:47] you used to be the voice of irc

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Nation Name: Simurghya
Alliance Name: OFCK
Credit References: 
Guarantor(s): 
Daily after-cost Revenue: 
Did Someone Refer You To Us? 
Amount you would like to borrow: $2,000,000
What Is Your Investment Plan: markets and banks

 
I, Col William Aldridge and Simurghya agree to the following if I choose to accept a loan from the Cirrus Bank:
-Pay all interest associated
-Repay the principal
-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

"I ask not for a lighter burden, but for broader shoulders."

-Col William Aldridge

 

HrSSKkA.jpg?1

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Nation Name: Simurghya

Alliance Name: OFCK

Credit References: 

Guarantor(s): 

Daily after-cost Revenue: 

Did Someone Refer You To Us? 

Amount you would like to borrow: $2,000,000

What Is Your Investment Plan: markets and banks

 

I, Col William Aldridge and Simurghya agree to the following if I choose to accept a loan from the Cirrus Bank:

-Pay all interest associated

-Repay the principal

-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

 

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

Obviously the loan is approved.  I'll need some time to acquire the necessary funds, however.  Cash is a little tight due to the war.

  • Upvote 1

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[10:47] you used to be the voice of irc

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Sure! What interest rate?

Probably slightly lower than the average right now.  6.75% or somewhere around thence.

  • Upvote 1

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[10:47] you used to be the voice of irc

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Deposit: $250,000 

Nation/Alliance: Simurghya/OFCK

Duly noted.

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[10:47] you used to be the voice of irc

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Ashland, I posted here about a week ago regarding the possibility of increasing the size of my current loan of $1 million. You told me you didn't have enough money to do so at the time, partly because of the war, partly because of earlier loans, and partly because I was requesting a sizable sum of money.

 

I have almost saved up all the money I need for my intended development; in only a few more turns I will have everything I need. However, I don't really want to spend all my money and be left effectively penniless for a day or two. That said, I was hoping to, again, add an amount of money to my current loan, although this time I require only about $300,000. My intention is to use it to buy some military things, perhaps a small amount of certain resources, and perhaps a week's supply of uranium (since I will be using nuclear power to save infrastructure slots). I have filled out the application below; I am hopeful that the interest rate will remain the same, but I will not object to an increase (since, of course, you are providing additional service).

 

Nation Name: Roma

Alliance Name: The European Empire

Credit References: Netherlands, Ashland

Guarantor(s): N/A

Daily After-Cost Revenue: $130,000 and about $300,000 in resources (will increase following development)

Did Someone Refer You To Us?  If so, Who: N/A

Amount you would like to borrow: $300,000

What Is Your Investment Plan: Military purchases, resources, uranium supply for city power
 

I, Roma, agree to the following if I choose to accept a loan from the Cirrus Bank:
-Pay all interest associated
-Repay the principal
-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

"Bibant, quoniam edere nolunt." ~ "Let them drink, since they do not wish to eat."

003.png.dec0ea9eb3902372b8bbca44165b588f.png

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Ashland, I posted here about a week ago regarding the possibility of increasing the size of my current loan of $1 million. You told me you didn't have enough money to do so at the time, partly because of the war, partly because of earlier loans, and partly because I was requesting a sizable sum of money.

 

I have almost saved up all the money I need for my intended development; in only a few more turns I will have everything I need. However, I don't really want to spend all my money and be left effectively penniless for a day or two. That said, I was hoping to, again, add an amount of money to my current loan, although this time I require only about $300,000. My intention is to use it to buy some military things, perhaps a small amount of certain resources, and perhaps a week's supply of uranium (since I will be using nuclear power to save infrastructure slots). I have filled out the application below; I am hopeful that the interest rate will remain the same, but I will not object to an increase (since, of course, you are providing additional service).

 

Nation Name: Roma

Alliance Name: The European Empire

Credit References: Netherlands, Ashland

Guarantor(s): N/A

Daily After-Cost Revenue: $130,000 and about $300,000 in resources (will increase following development)

Did Someone Refer You To Us?  If so, Who: N/A

Amount you would like to borrow: $300,000

What Is Your Investment Plan: Military purchases, resources, uranium supply for city power

 

I, Roma, agree to the following if I choose to accept a loan from the Cirrus Bank:

-Pay all interest associated

-Repay the principal

-Act in good faith to repay all my debts and refrain from misrepresenting my intentions or history.

 

I also give the Cirrus Bank, or whoever may hold my debt in the future, the right to reclaim my debt through the use of force.  I agree to inform any alliance I may join while holding this debt of this arrangement.

Yeah, you're looking at 6.7% interest.  Partly because the administration of two loans for one person is more tasking and partly because demand for cash has gone up a bit.

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[10:47] you used to be the voice of irc

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Yeah, you're looking at 6.7% interest.  Partly because the administration of two loans for one person is more tasking and partly because demand for cash has gone up a bit.

6.7% is very fair. Although, for simplicity (unless things are rigid for organization), it would probably help you to simply add the two loans together and change the interest to 6.7%. That would also allow me to make payments at the same time, rather than working on separate schedules (unless, as mentioned, that simply isn't the way things work).

"Bibant, quoniam edere nolunt." ~ "Let them drink, since they do not wish to eat."

003.png.dec0ea9eb3902372b8bbca44165b588f.png

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6.7% is very fair. Although, for simplicity (unless things are rigid for organization), it would probably help you to simply add the two loans together and change the interest to 6.7%. That would also allow me to make payments at the same time, rather than working on separate schedules (unless, as mentioned, that simply isn't the way things work).

Fine, but I don't want to rob you.  So I'll split the difference and go 6.65%  Money sent.

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[10:47] you used to be the voice of irc

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Fine, but I don't want to rob you.  So I'll split the difference and go 6.65%  Money sent.

Rob me? I've had little trouble at all doing the payments thus far--I've seen the entire thing as very generous and easily manageable. But I very much appreciate the further generosity.

"Bibant, quoniam edere nolunt." ~ "Let them drink, since they do not wish to eat."

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