IMF Loan (BTD6): Difference between revisions

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|xp    =20000
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'''IMF Loan''', also known as '''IMF''', 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 ($10,000 with {{BTD6 mk|Backroom Deals}}), 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. The value of the IMF Loan ability cannot be increased by any means, including [[Monkey City (BTD6)|Monkey City]] and [[Geraldo (BTD6)|Geraldo's]] [[Fertilizer]].
'''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 only 1 round.
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 ==
== Debt ==<!--making a Debt article MIGHT be useful-->
When the IMF Loan ability is used, the player gains and equal amount of cash and debt. The cash can be used immediately to make purchases, but as long as the player has debt they earn 50% (40% with {{BTD6 mk|Backroom Deals}}) less cash from all sources. The player's debt is reduced by the same amount as the cash they lost in this way.
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}}).


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.


The player may incur debt from several different IMF Loans, and debts are paid off in chronological order. For example if the player used the IMF Loan ability from 2 different IMF Loans, all cash they earn will pay off the loan from the first used IMF Loan until the loan is fully paid back, and then the cash will pay off the second. Debt remains even after an IMF Loan with debt 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.


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 and instead be available immediately for use. 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==
Line 34: Line 133:


==Strategy==
==Strategy==
{{Strategy needed|Insert the strategies about IMF Farming, IMFopolis, etc.; currently just the barebones}}
{{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.
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}}.
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 ==
== Update history ==
{{BTD6 change list by upgrade|Banana Farm|2|4}}
{{BTD6 change list by upgrade|Banana Farm|2|4}}
==Strategy==
{{Empty}}


==Gallery==
==Gallery==
{{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

Latest revision as of 04:00, 14 May 2026

For the upgrade in Bloons TD Battles 2, see IMF loan (Battles 2).
IMF Loan
Portrait of IMF Loan
Icon of IMF LoanIMF Loan ability: Gives you $9,000 but you have to pay it back over time.
Tower Banana Farm — Path 2 — Tier 4
XP cost 20,000
Cash cost $6,120 — Easy
$7,200 — Medium
$7,775 — Hard
$8,640 — Impoppable

IMF Loan is the 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 Bigger Banks Bigger Banks), and grants the IMF Loan Activated Ability. This ability grants the player $9,000 ($10,000 with Backroom Deals Backroom Deals), and an equal amount of 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.

With Bank Deposits 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

[edit | edit source]

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 Backroom Deals 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 Backroom Deals 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 Backroom Deals 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

[edit | edit source]
No buffs
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $259 $316 $374 $269 $329 $389
2 $556 $680 $804 $579 $707 $836
3 $899 $1098 $1298 $934 $1142 $1350
4 $1292 $1579 $1866 $1344 $1642 $1941
5 $1745 $2132 $2520 $1814 $2218 $2621
6 $2265 $2768 $3272 $2356 $2879 $3403
7 $2864 $3500 $4136 $2978 $3640 $4302
8 $3552 $4341 $5130 $3694 $4515 $5336
9 $4343 $5309 $6274 $4517 $5521 $6525
10 $5254 $6421 $7589 $5464 $6678 $7892
11 $6300 $7700 $9101 $6552 $8008 $9465
12 $7504 $9172 $10839 $7804 $9539 $11273
13 $8889 $10864 $12500 $9244 $11298 $12500
14 $10481 $12500 $12500 $10900 $12500 $12500
15 $12311 $12500 $12500 $12500 $12500 $12500
16 $12500 $12500 $12500 $12500 $12500 $12500
Bank Hack (levels 5-8)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $269 $329 $389 $279 $342 $404
2 $579 $707 $836 $601 $734 $868
3 $934 $1142 $1350 $970 $1186 $1402
4 $1344 $1642 $1941 $1395 $1705 $2016
5 $1814 $2218 $2621 $1884 $2303 $2722
6 $2356 $2879 $3403 $2446 $2990 $3533
7 $2978 $3640 $4302 $3093 $3780 $4467
8 $3694 $4515 $5336 $3836 $4688 $5541
9 $4517 $5521 $6525 $4691 $5733 $6776
10 $5464 $6678 $7892 $5674 $6935 $8196
11 $6552 $8008 $9465 $6804 $8316 $9829
12 $7804 $9539 $11273 $8105 $9906 $11707
13 $9244 $11298 $12500 $9600 $11733 $12500
14 $10900 $12500 $12500 $11319 $12500 $12500
15 $12500 $12500 $12500 $12500 $12500 $12500
Bank Hack (levels 9+)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $284 $347 $410 $294 $359 $425
2 $610 $745 $881 $632 $772 $913
3 $985 $1204 $1422 $1021 $1248 $1474
4 $1416 $1731 $2045 $1468 $1794 $2120
5 $1912 $2337 $2762 $1982 $2422 $2863
6 $2482 $3034 $3586 $2573 $3145 $3717
7 $3138 $3836 $4533 $3253 $3976 $4699
8 $3893 $4758 $5623 $4035 $4931 $5828
9 $4760 $5818 $6876 $4934 $6030 $7127
10 $5758 $7037 $8317 $5968 $7294 $8621
11 $6905 $8440 $9974 $7157 $8748 $10338
12 $8225 $10052 $11880 $8525 $10419 $12314
13 $9742 $11907 $12500 $10097 $12341 $12500
14 $11487 $12500 $12500 $11906 $12500 $12500
15 $12500 $12500 $12500 $12500 $12500 $12500
Monkey City
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $300 $367 $434 $310 $379 $448
2 $645 $789 $932 $668 $816 $964
3 $1042 $1274 $1506 $1078 $1318 $1557
4 $1499 $1832 $2165 $1550 $1895 $2240
5 $2024 $2473 $2923 $2094 $2559 $3024
6 $2627 $3211 $3795 $2718 $3322 $3926
7 $3322 $4060 $4798 $3436 $4200 $4963
8 $4120 $5036 $5951 $4262 $5209 $6156
9 $5038 $6158 $7278 $5212 $6370 $7528
10 $6094 $7448 $8803 $6304 $7705 $9106
11 $7308 $8933 $10557 $7560 $9241 $10921
12 $8705 $10639 $12500 $9005 $11006 $12500
13 $10311 $12500 $12500 $10666 $12500 $12500
14 $12157 $12500 $12500 $12500 $12500 $12500
15 $12500 $12500 $12500 $12500 $12500 $12500
Monkey City + Bank Hack (levels 5-8)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $310 $379 $448 $321 $392 $463
2 $668 $816 $964 $690 $843 $996
3 $1078 $1318 $1557 $1114 $1362 $1609
4 $1550 $1895 $2240 $1602 $1958 $2314
5 $2094 $2559 $3024 $2163 $2644 $3125
6 $2718 $3322 $3926 $2809 $3433 $4057
7 $3436 $4200 $4963 $3551 $4340 $5129
8 $4262 $5209 $6156 $4404 $5383 $6362
9 $5212 $6370 $7528 $5386 $6583 $7779
10 $6304 $7705 $9106 $6514 $7962 $9410
11 $7560 $9241 $10921 $7812 $9549 $11285
12 $9005 $11006 $12500 $9305 $11373 $12500
13 $10666 $12500 $12500 $11022 $12500 $12500
14 $12500 $12500 $12500 $12500 $12500 $12500
Monkey City + Bank Hack (levels 9+)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $335 $410 $484 $346 $423 $499
2 $721 $881 $1041 $743 $908 $1074
3 $1164 $1423 $1682 $1200 $1467 $1734
4 $1674 $2047 $2419 $1726 $2110 $2493
5 $2261 $2763 $3266 $2331 $2849 $3367
6 $2935 $3588 $4240 $3026 $3699 $4371
7 $3711 $4536 $5361 $3826 $4676 $5526
8 $4603 $5626 $6649 $4745 $5800 $6854
9 $5629 $6880 $8131 $5803 $7092 $8382
10 $6809 $8322 $9835 $7019 $8579 $10138
11 $8165 $9980 $11794 $8417 $10288 $12158
12 $9725 $11887 $12500 $10026 $12253 $12500
13 $11520 $12500 $12500 $11875 $12500 $12500
14 $12500 $12500 $12500 $12500 $12500 $12500

In Half Cash

[edit | edit source]

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.

No buffs
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $129 $158 $187 $135 $164 $194
2 $278 $340 $402 $289 $354 $418
3 $449 $549 $649 $467 $571 $675
4 $646 $790 $933 $672 $821 $970
5 $872 $1066 $1260 $907 $1109 $1310
6 $1133 $1384 $1636 $1178 $1440 $1701
7 $1432 $1750 $2068 $1489 $1820 $2151
8 $1776 $2171 $2565 $1847 $2257 $2668
9 $2172 $2654 $3137 $2259 $2760 $3262
10 $2627 $3211 $3794 $2732 $3339 $3946
11 $3150 $3850 $4550 $3276 $4004 $4732
12 $3752 $4586 $5420 $3902 $4769 $5636
13 $4444 $5432 $6420 $4622 $5649 $6676
14 $5240 $6405 $7569 $5450 $6661 $7872
15 $6156 $7524 $8892 $6402 $7825 $9247
16 $7208 $8810 $10412 $7497 $9163 $10829
17 $8419 $10290 $12161 $8756 $10702 $12500
18 $9811 $11992 $12500 $10204 $12471 $12500
19 $11412 $12500 $12500 $11869 $12500 $12500
20 $12500 $12500 $12500 $12500 $12500 $12500
Bank Hack (levels 5-8)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $135 $164 $194 $140 $171 $202
2 $289 $354 $418 $300 $367 $434
3 $467 $571 $675 $485 $593 $701
4 $672 $821 $970 $698 $853 $1008
5 $907 $1109 $1310 $942 $1151 $1361
6 $1178 $1440 $1701 $1223 $1495 $1767
7 $1489 $1820 $2151 $1546 $1890 $2234
8 $1847 $2257 $2668 $1918 $2344 $2770
9 $2259 $2760 $3262 $2345 $2867 $3388
10 $2732 $3339 $3946 $2837 $3467 $4098
11 $3276 $4004 $4732 $3402 $4158 $4914
12 $3902 $4769 $5636 $4052 $4953 $5853
13 $4622 $5649 $6676 $4800 $5866 $6933
14 $5450 $6661 $7872 $5660 $6917 $8175
15 $6402 $7825 $9247 $6648 $8126 $9603
16 $7497 $9163 $10829 $7785 $9515 $11245
17 $8756 $10702 $12500 $9093 $11113 $12500
18 $10204 $12471 $12500 $10596 $12500 $12500
19 $11869 $12500 $12500 $12325 $12500 $12500
20 $12500 $12500 $12500 $12500 $12500 $12500
Bank Hack (levels 9+)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $142 $173 $205 $147 $180 $212
2 $305 $373 $440 $316 $386 $456
3 $492 $602 $711 $510 $624 $737
4 $708 $865 $1023 $734 $897 $1060
5 $956 $1168 $1381 $991 $1211 $1431
6 $1241 $1517 $1793 $1287 $1572 $1858
7 $1569 $1918 $2267 $1626 $1988 $2349
8 $1946 $2379 $2811 $2017 $2466 $2914
9 $2380 $2909 $3438 $2467 $3015 $3563
10 $2879 $3519 $4159 $2984 $3647 $4310
11 $3453 $4220 $4987 $3579 $4374 $5169
12 $4112 $5026 $5940 $4262 $5210 $6157
13 $4871 $5953 $7036 $5049 $6171 $7293
14 $5743 $7020 $8296 $5953 $7276 $8599
15 $6747 $8246 $9745 $6993 $8547 $10101
16 $7900 $9656 $11412 $8189 $10009 $11828
17 $9227 $11278 $12500 $9564 $11689 $12500
18 $10753 $12500 $12500 $11146 $12500 $12500
19 $12500 $12500 $12500 $12500 $12500 $12500
Monkey City
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $150 $183 $217 $155 $190 $224
2 $323 $394 $466 $334 $408 $482
3 $521 $637 $753 $539 $659 $779
4 $749 $916 $1082 $775 $947 $1120
5 $1012 $1237 $1462 $1047 $1279 $1512
6 $1314 $1606 $1898 $1359 $1661 $1963
7 $1661 $2030 $2399 $1718 $2100 $2482
8 $2060 $2518 $2976 $2131 $2605 $3078
9 $2519 $3079 $3639 $2606 $3185 $3764
10 $3047 $3724 $4401 $3152 $3853 $4553
11 $3654 $4466 $5278 $3780 $4620 $5460
12 $4352 $5320 $6287 $4503 $5503 $6504
13 $5155 $6301 $7447 $5333 $6518 $7703
14 $6079 $7430 $8780 $6288 $7686 $9083
15 $7141 $8727 $10314 $7387 $9028 $10670
16 $8362 $10220 $12078 $8650 $10572 $12495
17 $9766 $11936 $12500 $10103 $12348 $12500
18 $11381 $12500 $12500 $11774 $12500 $12500
19 $12500 $12500 $12500 $12500 $12500 $12500
Monkey City + Bank Hack (levels 5-8)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $155 $190 $224 $160 $196 $232
2 $334 $408 $482 $345 $422 $498
3 $539 $659 $779 $557 $681 $805
4 $775 $947 $1120 $801 $979 $1157
5 $1047 $1279 $1512 $1082 $1322 $1562
6 $1359 $1661 $1963 $1404 $1716 $2028
7 $1718 $2100 $2482 $1775 $2170 $2564
8 $2131 $2605 $3078 $2202 $2691 $3181
9 $2606 $3185 $3764 $2693 $3291 $3890
10 $3152 $3853 $4553 $3257 $3981 $4705
11 $3780 $4620 $5460 $3906 $4774 $5642
12 $4503 $5503 $6504 $4653 $5687 $6720
13 $5333 $6518 $7703 $5511 $6736 $7960
14 $6288 $7686 $9083 $6498 $7942 $9386
15 $7387 $9028 $10670 $7633 $9329 $11026
16 $8650 $10572 $12495 $8938 $10925 $12500
17 $10103 $12348 $12500 $10440 $12500 $12500
18 $11774 $12500 $12500 $12166 $12500 $12500
19 $12500 $12500 $12500 $12500 $12500 $12500
Monkey City + Bank Hack (levels 9+)
Rounds w/o More Valuable Bananas w/ More Valuable Bananas
0-3-X 1-3-0 2-3-0 0-3-X 1-3-0 2-3-0
1 $168 $205 $242 $173 $211 $250
2 $360 $441 $521 $372 $454 $537
3 $582 $712 $841 $600 $734 $867
4 $837 $1023 $1209 $863 $1055 $1247
5 $1130 $1382 $1633 $1165 $1424 $1683
6 $1468 $1794 $2120 $1513 $1849 $2186
7 $1856 $2268 $2680 $1913 $2338 $2763
8 $2302 $2813 $3324 $2373 $2900 $3427
9 $2814 $3440 $4065 $2901 $3546 $4191
10 $3404 $4161 $4917 $3509 $4289 $5069
11 $4083 $4990 $5897 $4209 $5144 $6079
12 $4863 $5943 $7024 $5013 $6127 $7241
13 $5760 $7040 $8320 $5938 $7257 $8576
14 $6791 $8301 $9810 $7001 $8557 $10113
15 $7978 $9751 $11523 $8224 $10052 $11879
16 $9342 $11418 $12500 $9630 $11771 $12500
17 $10911 $12500 $12500 $11248 $12500 $12500
18 $12500 $12500 $12500 $12500 $12500 $12500

Costs and sell values

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Note: this list does not factor in Monkey Knowledge or other discounts.
Tiers Total cost Sell value
Easy Medium Hard Impoppable Easy Medium Hard Impoppable
0-4-0 $11,215 $13,200 $14,255 $15,840 $7,851 $9,240 $9,979 $11,088
1-4-0 $11,640 $13,700 $14,795 $16,440 $8,148 $9,590 $10,357 $11,508
2-4-0 $12,150 $14,300 $15,445 $17,160 $8,505 $10,010 $10,812 $12,012
0-4-1 $11,425 $13,450 $14,525 $16,140 $7,998 $9,415 $10,168 $11,298
0-4-2 $11,765 $13,850 $14,955 $16,620 $8,236 $9,695 $10,469 $11,634

Strategy

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This section was last updated for: version 54.0

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, IMF Loan works best with Benjamin, who improves its bank income.

Most of IMF Loan's true value opens when Monkey Knowledge is enabled, particularly Bank Deposits 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 this page for more information).

Crosspathing with top is preferred for general income generation, though if wanting hands-off value from Bank Deposits 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 Bank Deposits 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

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For a complete list of Banana Farm changes, see Update history:Banana Farm (BTD6).
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Version 2.0

  • Nerf Overall cost increased by $400 (due to cost changes for previous tiers)
  • Nerf Debt no longer disappears after selling the tower and reloading the game (bug fix)

Version 4.0

  • Buff Upgrade cost reduced ― $12,000 → $7,500
    • Buff Overall cost reduced by $4,400 (due to cost changes for previous tiers)

Version 8.0

  • Nerf Ability: Now starts with its full cooldown

Version 12.0

  • Nerf Cash produced per round reduced by $10

Version 14.0

  • Nerf Upgrading IMF Loan to Monkey-Nomics while the Farm still has debt permanently disables the ability (bug)

Version 17.0

  • Repositioned the collection buttons

Version 23.0

  • Nerf Overall cost increased by $200 (due to cost changes for previous tiers)

Version 28.0

“
Banana Farm’s xx2 upgrade is the inferior crosspath, so we’ve amped up the utility with the lazy aspect so that if it’s going to be inferior for production, it’s at least going to be extra lazy & less far behind.
— Update notes
”
  • Nerf Fractional cash amounts now always round down instead of towards the nearest even number (bug fix)
0-4-2
  • Buff Auto-collection now triggers at the end of a round when capacity is full after interest, instead of always waiting one extra round

Version 34.0

  • Nerf Overall cost increased by $300 (due to cost changes for previous tiers)

Version 35.0

“
For sake of consistency we want Monkey Bank to increase in cash generation when used with sources that externally buff generation so everything works as expected, however along with this buff the current power of IMF loan on this path already feels too strong so we are lowering that power for IMF Loan in exchange.
— Update notes
”
  • Buff Now increases in cash generation with external buffs
  • Buff Income generation now works with More Valuable Bananas monkey knowledge (undocumented)
  • Nerf Ability cash granted reduced ― $10,000 → $9000
  • Nerf Resolved a bug that caused Collecting All from multiple x3x Banks or higher to only target repayment back towards a single active IMF Loan (bug fix)

Version 40.0

“
The current power of xx5 Village combined with previous nerfs to Middle Farm have it currently feeling underappreciated for farm profits, some slight price adjustment.
— Update notes
”
  • Buff Upgrade cost reduced ― $7,500 → $7,200
    • Buff Overall cost reduced by $450 (due to cost changes for previous tiers)

Version 42.0

“
Players have made it clear that for Boss Events the current cooldown on IMF Loan regularly puts it into a position where timing is frustratingly tight in order to maximize profits when farming with banks, so we’ve agreed to loosen up on this cooldown to help with this issue.
— Update notes
”
  • Buff Cooldown reduced ― 90s → 85s
    • Note: Also affects initial cooldown

Version 50.0

  • Buff Glow indicator of full banks works without 0-X-1 crosspath (bug)

Version 50.1

  • Nerf No longer glows when full without the X-X-1 EZ Collect crosspath (bug fix)
[edit | edit source]
For more Banana Farm images, see Gallery:Banana Farm.

Screenshots

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  • IMF Loan with no crosspath
    IMF Loan with no crosspath
  • IMF Loan with 140 crosspath
    IMF Loan with 140 crosspath
  • IMF Loan with 240 crosspath
    IMF Loan with 240 crosspath
  • IMF Loan with 041 crosspath
    IMF Loan with 041 crosspath
  • IMF Loan with 042 crosspath
    IMF Loan with 042 crosspath
  • An IMF Loan producing 10k and granting 10k debt
    An IMF Loan producing 10k and granting 10k debt

Assets

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In other languages

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Language Name / Description Notes
Arabic قرض صندوق النقد الدولي
قدرة صندوق النقد الدولي على الإقراض: منحك 10000 دولار ولكن عليك سدادها بمرور الوقت. 		—
Danish IMF-lån
IMF-lån-evne: giver dig 9.000 $, som dog skal betales tilbage over tid. 		—
German IAF-Kredit
IAF-Kredit-Fähigkeit: Bringt dir 9.000 $, die du jedoch mit der Zeit zurückzahlen musst. 		—
Spanish Préstamo del FMI
Habilidad Préstamo del FMI: te da 9000 $, pero tienes que devolverlos de a poco. 		—
Spanish (LA) Préstamo del FMI
Habilidad Préstamo del FMI: te da 9000 $, pero tienes que devolverlos de a poco. 		—
Finnish IMF-laina
IMF-laina-kyky: saat 9 000 $, mutta sinun täytyy maksaa se takaisin ajan mittaan. 		—
French Prêt du FMI
Aptitude Prêt du FMI : vous prête 9 000 $, mais il vous faudra le repayer au fil du temps. 		—
Italian Prestito del FSI
Abilità Prestito del FSI: ottieni 9.000 $ che dovrai restituire col tempo. 		—
Japanese IMFローン
IMFローン能力：$9,000くれるが、徐々に返済しなくてはならない。 		—
Korean IMF 대출
IMF 대출 능력: $9,000를 빌리며, 이는 시간이 지나면 되갚아야 합니다. 		—
Dutch IMF-lening
IMF-lening-vaardigheid: geeft je $9000 maar je moet het geleidelijk terugbetalen. 		—
Norwegian IMF-lån
IMF-lån-evne: gir deg 10 000$, men du må betale tilbake over tid. 		—
Polish Pożyczka
Umiejętność pożyczka: daje ci 9000 $, ale z czasem musisz je spłacić. 		—
Portuguese (Brazil) Empréstimo do FMI
Habilidade Empréstimo do FMI: Empresta $9.000, mas você precisa devolver com o tempo. 		—
Russian Кредит МОФ
Кредит МОФ: даёт $9000, но со временем вы должны их вернуть. 		—
Swedish IMF-lån
IMF-lånförmåga: Ger dig $9 000, men du måste betala tillbaka över tid. 		—
Thai เงินกู้ IMF
สกิลเงินกู้ IMF: มอบเงินให้คุณ $10,000 แต่คุณต้องชดใช้คืนเมื่อเวลาผ่านไป 		—
Turkish IMF kredisi
IMF Kredi Yeteneği: 9.000 Dolar verir ama bunu zamanla geri ödemen gerekir. 		—
Chinese (simplified) IMF贷款
IMF贷款技能：给你9000块，但你必须按时还款。 		—
Chinese (traditional) IMF貸款
IMF貸款技能：給你$9000，不過你必須慢慢歸還。 		—
This list was last updated for: version 43.1
[edit | edit source]
v • t • e
Banana Farm in Bloons TD 6
Path 1 Increased Production • Greater Production • Banana Plantation • Banana Research Facility • Banana Central
Path 2 Long Life Bananas • Valuable Bananas • Monkey Bank • IMF Loan • Monkey-Nomics
Path 3 EZ Collect • Banana Salvage • Marketplace • Central Market • Monkey Wall Street
Strategies • Update history
v • t • e
Upgrades in Bloons TD 6
Dart Monkey Path 1 Sharp Shots • Razor Sharp Shots • Spike-o-pult • Juggernaut • Ultra-Juggernaut
Path 2 Quick Shots • Very Quick Shots • Triple Shot • Super Monkey Fan Club • Plasma Monkey Fan Club
Path 3 Long Range Darts • Enhanced Eyesight • Crossbow • Sharp Shooter • Crossbow Master
Paragon Apex Plasma Master
Boomerang Monkey Path 1 Improved Rangs • Glaives • Glaive Ricochet • M.O.A.R Glaives • Glaive Lord
Path 2 Faster Throwing • Faster Rangs • Bionic Boomerang • Turbo Charge • Perma Charge
Path 3 Long Range Rangs • Red Hot Rangs • Kylie Boomerang • MOAB Press • MOAB Domination
Paragon Glaive Dominus
Bomb Shooter Path 1 Bigger Bombs • Heavy Bombs • Really Big Bombs • Bloon Impact • Bloon Crush
Path 2 Faster Reload • Missile Launcher • MOAB Mauler • MOAB Assassin • MOAB Eliminator
Path 3 Extra Range • Frag Bombs • Cluster Bombs • Recursive Cluster • Bomb Blitz
Paragon Ballistic Obliteration Missile Bunker
Tack Shooter Path 1 Faster Shooting • Even Faster Shooting • Hot Shots • Ring of Fire • Inferno Ring
Path 2 Long Range Tacks • Super Range Tacks • Blade Shooter • Blade Maelstrom • Super Maelstrom
Path 3 More Tacks • Even More Tacks • Tack Sprayer • Overdrive • The Tack Zone
Paragon Crucible of Steel and Flame
Ice Monkey Path 1 Permafrost • Cold Snap • Ice Shards • Embrittlement • Super Brittle
Path 2 Enhanced Freeze • Deep Freeze • Arctic Wind • Snowstorm • Absolute Zero
Path 3 Larger Radius • Re-Freeze • Cryo Cannon • Icicles • Icicle Impale
Paragon Herald of Everfrost
Glue Gunner Path 1 Glue Soak • Corrosive Glue • Bloon Dissolver • Bloon Liquefier • The Bloon Solver
Path 2 Bigger Globs • Glue Splatter • Glue Hose • Glue Strike • Glue Storm
Path 3 Stickier Glue • Stronger Glue • MOAB Glue • Relentless Glue • Super Glue
Desperado Path 1 Quickdraw • Standoff • Big Iron • Twin Sixes • The Blazing Sun
Path 2 Eagle Eye • Bullseye • Deadeye • Bounty Hunter • Golden Justice
Path 3 Wanderer • Nomad • Enforcer • Avenger • The Desert Phantom
Sniper Monkey Path 1 Full Metal Jacket • Large Calibre • Deadly Precision • Maim MOAB • Cripple MOAB
Path 2 Night Vision Goggles • Shrapnel Shot • Bouncing Bullet • Supply Drop • Elite Sniper
Path 3 Fast Firing • Even Faster Firing • Semi-Automatic • Full Auto Rifle • Elite Defender
Monkey Sub Path 1 Longer Range • Advanced Intel • Submerge and Support • Bloontonium Reactor • Energizer
Path 2 Barbed Darts • Heat-tipped Darts • Ballistic Missile • First Strike Capability • Pre-emptive Strike
Path 3 Twin Guns • Airburst Darts • Triple Guns • Armor Piercing Darts • Sub Commander
Paragon Nautic Siege Core
Monkey Buccaneer Path 1 Faster Shooting • Double Shot • Destroyer • Aircraft Carrier • Carrier Flagship
Path 2 Grape Shot • Hot Shot • Cannon Ship • Monkey Pirates • Pirate Lord
Path 3 Long Range • Crow's Nest • Merchantman • Favored Trades • Trade Empire
Paragon Navarch of the Seas
Monkey Ace Path 1 Rapid Fire • Lots More Darts • Fighter Plane • Operation: Dart Storm • Sky Shredder
Path 2 Exploding Pineapple • Spy Plane • Bomber Ace • Ground Zero • Tsar Bomba
Path 3 Sharper Darts • Centered Path • Neva-Miss Targeting • Spectre • Flying Fortress
Paragon Goliath Doomship
Heli Pilot Path 1 Quad Darts • Pursuit • Razor Rotors • Apache Dartship • Apache Prime
Path 2 Bigger Jets • IFR • Downdraft • Support Chinook • Special Poperations
Path 3 Faster Darts • Faster Firing • MOAB Shove • Comanche Defense • Comanche Commander
Mortar Monkey Path 1 Bigger Blast • Bloon Buster • Shell Shock • The Big One • The Biggest One
Path 2 Faster Reload • Rapid Reload • Heavy Shells • Artillery Battery • Pop and Awe
Path 3 Increased Accuracy • Burny Stuff • Signal Flare • Shattering Shells • Blooncineration
Dartling Gunner Path 1 Focused Firing • Laser Shock • Laser Cannon • Plasma Accelerator • Ray of Doom
Path 2 Advanced Targeting • Faster Barrel Spin • Hydra Rocket Pods • Rocket Storm • M.A.D
Path 3 Faster Swivel • Powerful Darts • Buckshot • Bloon Area Denial System • Bloon Exclusion Zone
Wizard Monkey Path 1 Guided Magic • Arcane Blast • Arcane Mastery • Arcane Spike • Archmage
Path 2 Fireball • Wall of Fire • Dragon's Breath • Summon Phoenix • Wizard Lord Phoenix
Path 3 Intense Magic • Monkey Sense • Shimmer • Necromancer: Unpopped Army • Prince of Darkness
Paragon Magus Perfectus
Removed Soulbind
Super Monkey Path 1 Laser Blasts • Plasma Blasts • Sun Avatar • Sun Temple • True Sun God
Path 2 Super Range • Epic Range • Robo Monkey • Tech Terror • The Anti-Bloon
Path 3 Knockback • Ultravision • Dark Knight • Dark Champion • Legend of the Night
Ninja Monkey Path 1 Ninja Discipline • Sharp Shurikens • Double Shot • Bloonjitsu • Grandmaster Ninja
Path 2 Distraction • Counter-Espionage • Shinobi Tactics • Bloon Sabotage • Grand Saboteur
Path 3 Seeking Shuriken • Caltrops • Flash Bomb • Sticky Bomb • Master Bomber
Paragon Ascended Shadow
Alchemist Path 1 Larger Potions • Acidic Mixture Dip • Berserker Brew • Stronger Stimulant • Permanent Brew
Path 2 Stronger Acid • Perishing Potions • Unstable Concoction • Transforming Tonic • Total Transformation
Path 3 Faster Throwing • Acid Pool • Lead to Gold • Rubber to Gold • Bloon Master Alchemist
Druid Path 1 Hard Thorns • Heart of Thunder • Druid of the Storm • Ball Lightning • Monarch of Storms
Path 2 Thorn Swarm • Heart of Oak • Druid of the Jungle • Jungle's Bounty • Spirit of the Forest
Path 3 Druidic Reach • Heart of Vengeance • Druid of Wrath • Poplust • Avatar of Wrath
Paragon Root of all Nature
Mermonkey Path 1 Trident Efficiency • Trident Swiftness • Abyss Dweller • Abyssal Warrior • Lord of the Abyss
Path 2 Sharper Prongs • Tidal Chill • Riptide Champion • Arctic Knight • Popseidon
Path 3 Echosense Precision • Echosense Network • Alluring Melody • Symphonic Resonance • The Final Harmonic
Banana Farm Path 1 Increased Production • Greater Production • Banana Plantation • Banana Research Facility • Banana Central
Path 2 Long Life Bananas • Valuable Bananas • Monkey Bank • IMF Loan • Monkey-Nomics
Path 3 EZ Collect • Banana Salvage • Marketplace • Central Market • Monkey Wall Street
Spike Factory Path 1 Bigger Stacks • White Hot Spikes • Spiked Balls • Spiked Mines • Super Mines
Path 2 Faster Production • Even Faster Production • MOAB SHREDR • Spike Storm • Carpet of Spikes
Path 3 Long Reach • Smart Spikes • Long Life Spikes • Deadly Spikes • Perma-Spike
Paragon Mega Massive Munitions Factory
Monkey Village Path 1 Bigger Radius • Jungle Drums • Primary Training • Primary Mentoring • Primary Expertise
Path 2 Grow Blocker • Radar Scanner • Monkey Intelligence Bureau • Call to Arms • Homeland Defense
Path 3 Monkey Business • Monkey Commerce • Monkey Town • Monkey City • Monkeyopolis
Engineer Monkey Path 1 Sentry Gun • Faster Engineering • Sprockets • Sentry Expert • Sentry Champion
Path 2 Larger Service Area • Deconstruction • Cleansing Foam • Overclock • Ultraboost
Path 3 Oversize Nails • Pin • Double Gun • Bloon Trap • XXXL Trap
Paragon Master Builder
Beast Handler Path 1 Piranha • Barracuda • Great White • Orca • Megalodon
Path 2 Microraptor • Adasaurus • Velociraptor • Tyrannosaurus Rex • Giganotosaurus
Path 3 Gyrfalcon • Horned Owl • Golden Eagle • Giant Condor • Pouākai
Banana Farmer Pro Path 1 Banana Vacuum • Banana Peels • Robo Farmer
Path 2 Camo Bananas • Regrow Bananas • Banana Intelligence Bureau
Path 3 Adaptive Workers • Monkey Banker • Banana Financier
Super Monkey Beacon Path 1 Charged Beacon • Storm Tremors • Reverberation
Path 2 Mini Stormcaller • Rapid Recharge • Beacon of Legends
Path 3 High Impact • Bewildering Storm • Piercing Wind
Hype Boost Monkey Path 1 Cheer • Look Sharp • Monkey Spirit
Path 2 Resistance • High Reps • No Quit
Path 3 Condition • Intensity • Max Output
Tech Bot Prime Path 1 Initiate Link AMP • Chain Link • Lead the Storm
Path 2 AUT0.M8 • NEUR0.MAP • CMDR.Ch1p
Path 3 Drone Ambush Network • Trigger Happy Drones • Oh Boy, I Can't Wait!
List of upgrades
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