IMF Loan (BTD6)

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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''', 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 this ability is activated, it grants $9,000 ($10,000 with {{BTD6 mk|Backroom Deals}}), and an equal amount of [[#Debt|debt]]. The ability has an 85-second cooldown, does not have a reduced 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 if the corresponding IMF Loan has outstanding debt. The amount of money granted by the ability cannot be increased.

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 ==

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.

==Costs and sell values==

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==Strategy==

{{Strategy needed|Insert the strategies about IMF Farming, IMFopolis, etc.; currently just the barebones}}

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}}.

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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''', 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 this ability is activated, it grants $9,000 ($10,000 with {{BTD6 mk|Backroom Deals}}), and an equal amount of [[#Debt|debt]]. The ability has an 85-second cooldown, does not have a reduced 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 if the corresponding IMF Loan has outstanding debt. The amount of money granted by the ability cannot be increased.
-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 ==
-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.
 ==Costs and sell values==
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 ==Strategy==
 {{Strategy needed|Insert the strategies about IMF Farming, IMFopolis, etc.; currently just the barebones}}
-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}}.

IMF Loan (BTD6): Difference between revisions