Loan Shark By Imperator-Zor Watch

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Loan sharks provide a useful service to cultures around the world. They are agents of the Selachian Commonwealth, a civilization which controls an island homeland, several island and coastal colonies, a large number of offices around the world and a large fleet of steam powered cargo ships and ironclad warships. Even so they are as a rule not expansionist. Instead their empire is a commercial one. Their factories produce goods for sale but they also send messages via telegraph and transport cargo. A merchant galleon could carry 300 tonnes of cargo across an ocean in two months and often faced delays due to becalming or being blown off course or foundering. A Selachian Freighter could carry a load of 5,000 tonnes the same distance in 12 days with greater reliability. As such they command considerable economic influence and their currency (which comes in the form of Bank Notes rather than coins) is honored around the world. If you want to finance a manufactory or a vinyard or other such enterprise, it's best to have some of their paper money. You can get that by buying and selling and especially by doing so with the the Commonwealth's enterprises, but if you need money to get something off the ground or in a hurry you can go to the Commonwealth Bank with the aforementioned agents.



If you do so you'll go into a grand building with marine themed architecture and designs and will present your case, s/he will listen attentively, judge your character, see your assets, read your report (which includes a variety of information which includes among many others age, health and weight) and if things go smoothly you'll get your loan with a firm handshake and a broad grin. Usually they have an interest rate of 10% to 30%. However they also offer a 5% special rate to either customers who've proven to be in very good standing or those willing to accept some special fine print. Those in the latter category are usually very keen on making back payments on time because if they don't three things happens. If the debtor misses a payment they send a polite letter. If he misses another they send a sternly worded letter. If they miss a third payment the debtor better get enough money together to pay a sharp fine immediately because if he does not, he's going to end up on the menu at the branch's commissary.



A strong financial sector is important for a growing economy, but debts have to be paid and one should avoid biting off more than one can chew.

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