Loans

From the Finance tab on the main interface, the player may view offers from a range of financing companies, take out loans, and repay existing debts. Each loan company offers a different range of money, with a monthly repayment based on the repayment period and interest rate. Some loan offers will only become available once the hospital meets certain criteria.

The borrowing amount may be adjusted using the slider. Once the player has taken out a loan, repayments will be made automatically along with the rest of the monthly expenses. Alternatively, the player may repay the entire outstanding amount at any time, provided the requisite funds are available.

All three banks advertise on Two Point Radio.

Two Point Bank

 * $25,000 to 50,000
 * 5% p.a.
 * $1,097 to 2,194 per month for 24 months

Swindles

 * $75,000 to 100,000
 * 10% p.a.
 * 3,461 to $4,615 per month for 24 months

$MC (Smell My Cash)

 * $150,000 to 250,000
 * 15% p.a.
 * 5,200 to $8,667 per month for 36 months
 * Requirements
 * Hospital Value of $500,000
 * Reputation of 25
 * Hospital Level of 2

Trivia

 * Swindles was named Wongle.scam in early development.
 * Smell My Cash was named SmellMyCash.com in early development.
 * According to Two Point Radio, Smell My Cash claims to have an 80% interest rate. Maybe that's for smaller loans.
 * According to Two Point Radio, Swindles also runs an insurance business.
 * According to Nigel Bickleworth on the radio, he may have had some problems with Swindles, resulting in his new job as a radio presenter. Unfortunately they're one of the station's sponsors so he's not allowed to elaborate.