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IMF Loan (BTD6): Difference between revisions

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|xp    =20000
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'''IMF Loan''' is the [[Banana Farm (BTD6)|Banana Farm]]'s path 2 tier 4 [[upgrade]] in ''[[Bloons TD 6]]''. It increases the bank capacity from $7,000 to $10,000 ($12,500 with {{BTD6 mk|Bigger Banks}}), and grants the IMF Loan ability. When the IMF Loan ability is activated, it grants a loan of $9,000, rewarding $9,000 and an equal amount of [[debt]]. It has an 85-second cooldown, must undergo its full cooldown before it can be used for the first time, cannot be used more than twice per round, is disabled if the round lasts for more than 3 minutes, and cannot be used during the break between rounds. Additionally, it cannot be activated if the Banana Farm it belongs to still has outstanding debt.
'''IMF Loan''' is the [[Banana Farm (BTD6)|Banana Farm]]'s path 2 tier 4 [[upgrade]] in ''[[Bloons TD 6]]''. It increases its bank capacity from $7,000 to $10,000 ($12,500 with {{BTD6 mk|Bigger Banks}}), and grants the IMF Loan [[Activated Ability]]. This ability grants the player $9,000 ($10,000 with {{BTD6 mk|Backroom Deals}}), and an equal amount of [[#Debt|debt]]. The ability has an 85-second cooldown, has a full initial cooldown, has a limit of 2 uses per round, is disabled if the round lasts longer than 3 minutes, and cannot be used between rounds. Additionally, it cannot be activated while the corresponding IMF Loan has outstanding debt. The amount of money granted by the ability cannot be increased from any source except [[Monkey City (BTD6)|Monkey City]].
 
With {{BTD6 mk|Bank Deposits}}, cash may be deposited into the IMF Loan to gain interest on it. Deposited cash only begins to accrue interest after being in the IMF Loan for 2 rounds, unlike normally generated cash which accrues interest after 1 round.
 
== Debt ==<!--making a Debt article MIGHT be useful-->
When the IMF Loan ability is used, the player gains an equal amount of cash and debt. While the player has debt, they earn 50% (40% with {{BTD6 mk|Backroom Deals}}) less cash from all sources, with the remainder being used to pay off the debt. For example, if a player has $10,000 in debt and normally would have earned $1,000, they instead receive $500 ($600 with {{BTD6 mk|Backroom Deals}}) and the remaining amount from the $1,000 goes toward paying off the debt which would then be $9,500 ($9,600 with {{BTD6 mk|Backroom Deals}}).
 
Debts from multiple IMF Loans are paid off in chronological order, from earliest to latest. Debt remains even after the corresponding IMF Loan is sold.
 
If the player earns more than enough money in one instance to fully pay back their oldest loan, any additional cash will not be used to pay off subsequent loans. For example, if a player has $10 debt from one IMF Loan and $10,000 from another, and they sell a tower which grants them $1,000, only $10 from that money will go towards paying off debt and the other $990 will be available for use immediately. The second IMF Loan will remain at $10,000 debt until more cash is earned.
 
==Cash production==
{{BTD6 bank income
|label=No buffs
|030=180
|130=220
|230=260
|capacity=10000
|multiplier=1.25
}}
{{BTD6 bank income
|label=Bank Hack (levels 5-8)
|030=180
|130=220
|230=260
|capacity=10000
|multiplier=1.3
}}
{{BTD6 bank income
|label=Bank Hack (levels 9+)
|030=180
|130=220
|230=260
|capacity=10000
|multiplier=1.37
}}
{{BTD6 bank income
|label=Monkey City
|030=180
|130=220
|230=260
|capacity=10000
|multiplier=1.45
}}
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 5-8)
|030=180
|130=220
|230=260
|capacity=10000
|multiplier=1.5
}}
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 9+)
|030=180
|130=220
|230=260
|capacity=10000
|multiplier=1.62
}}
 
===In Half Cash===
In [[Half Cash]], IMF Loan's cash production is halved as normal, but its interest is unchanged. Because IMF Loan's growth is non-linear, it produces more than half as much cash overall after the first round.
{{BTD6 bank income
|label=No buffs
|030=90
|130=110
|230=130
|capacity=10000
|multiplier=1.25
}}
{{BTD6 bank income
|label=Bank Hack (levels 5-8)
|030=90
|130=110
|230=130
|capacity=10000
|multiplier=1.3
}}
{{BTD6 bank income
|label=Bank Hack (levels 9+)
|030=90
|130=110
|230=130
|capacity=10000
|multiplier=1.37
}}
{{BTD6 bank income
|label=Monkey City
|030=90
|130=110
|230=130
|capacity=10000
|multiplier=1.45
}}
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 5-8)
|030=90
|130=110
|230=130
|capacity=10000
|multiplier=1.5
}}
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 9+)
|030=90
|130=110
|230=130
|capacity=10000
|multiplier=1.62
}}


==Costs and sell values==
==Costs and sell values==
{{BTD6 cost list by upgrade|Banana Farm|2|4}}
{{BTD6 cost list by upgrade|Banana Farm|2|4}}


==Update history==
==Strategy==
{{BTD6 last updated|54.0|section=y}}
IMF Loan is a high-risk, high-reward money generator. For the exchange of a hefty cost and a long initial cooldown, the loan can be used to instantly invest into other things, especially extra money generators. The increased bank capacity is a minor extra benefit. Like [[Monkey Bank (BTD6)|Monkey Bank]], IMF Loan works best with [[Benjamin (BTD6)|Benjamin]], who improves its bank income.
 
Most of IMF Loan's true value opens when Monkey Knowledge is enabled, particularly {{BTD6 mk|Bank Deposits}}. Having Bank Deposits opens up a strategy that involves cashing out a well-generated T3 Bank, using the cash to buy IMF Loan, and penny-pinching income into the IMF Loan until ~$8,800. After acquiring enough cash from Bank Deposits, the player may have enough time to freely use the loan ability for improved short-term income, such as for an IMFopolis (see [[Monkeyopolis (BTD6)#Strategy|this page]] for more information).
 
Crosspathing with top is preferred for general income generation, though if wanting hands-off value from {{BTD6 mk|Bank Deposits}} the bottom crosspath's 0-4-2 is better. With the standard Bank farming curve, 2-4-0 is the typical crosspath. However, if only using {{BTD6 mk|Bank Deposits}} then not crosspathing is preferred, as every dollar spent is less money invested into short-term deposits; top crosspaths don't pay off fast enough compared to deposits for the same costs.
 
== Update history ==
{{BTD6 change list by upgrade|Banana Farm|2|4}}
{{BTD6 change list by upgrade|Banana Farm|2|4}}


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{{main gallery|Banana Farm}}
{{main gallery|Banana Farm}}
===Screenshots===
===Screenshots===
{{screenshot needed}}


===Artwork and icons===
<gallery>
BTD6 IMF Loan 040.png|IMF Loan with no crosspath
BTD6 IMF Loan 140.png|IMF Loan with 140 crosspath
BTD6 IMF Loan 240.png|IMF Loan with 240 crosspath
BTD6 IMF Loan 041.png|IMF Loan with 041 crosspath
BTD6 IMF Loan 042.png|IMF Loan with 042 crosspath
BTD6 IMF Loan Debt One IMF.png|An IMF Loan producing 10k and granting 10k debt
</gallery>
 
===Assets===
<gallery>
<gallery>
BTD6 040-BananaFarm.png|Portrait
BTD6 040-BananaFarm.png|Portrait
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