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[EuchreJack]

@Tric: Want to loan 11 guineas from me? I'll keep it at 10% this month, but going to increase to 11% in future months.  Can change to 9 guineas if you only want to borrow that amount, but this is probably the last turn you'll be getting 10% from me.

We, the undersigned First United Sandbank, agree to transfer 11 guineas to the undersigned company, Bathtub Corsair, for an exact period of time of 6 months, at which 17.6 guineas will become due and payable immediately.  Failure to pay on time will cause the amount to accrue interest at 10% of the owed amount for each month that the amount remains unpaid.

Signed:
-First United Sandbank
-

[TricMagic]

As far as I know you don't have that much Jack. You spent it all.

[a1s]

Did you not see me handing Jack that exact sum just now? 

[andrea]

@NUKE

Asking for a delay. I don't know if I have the guineas, and I can't currently check.

Sure thing. +24 hours enough?

Yes, that should be plenty.
Today it is already looking better than expected, tomorrow i'll surely be able to process everything if I can't today

Spoiler: Sharky's financial services (click to show/hide)

Resources
Funds: 24.25 Guineas
Royal favour: 1
Commodities:
-0 sand
-0 wool
-FANCY CLOTHES
Investments:
-Exclusive charts to Norderlands
-Blueprints to SCOPE

Bank Favours
-Flazeo
  -0 favour for outstanding interest payments
-Draignean
  -2 Series A favour for keeping money in the bank for a long time
-m1895
  -1 Series A favour for keeping money in the bank for a long time
  -1 For flexibility in withdrawal
-Kashyyk
  -3 Series B favours from contracts
-Powder miner
  -1 Series A for interest repayment


Financials
Debts:

- 7.56 guineas, to Greg ('gnean), Turn 2, no term, 4.5% compound, Advance warning for withdrawal: 3 turns, interest added to principal
- 3.28 guineas, to Meister Nagant (m1895), Turn 2, no term, 4.5% compound, Advance warning for withdrawal: 3 turns, interest added to principal
- 2.00 guineas, to Rock's firm, Turn 8, no term, 5% monthly, 3/3 suspension available, 3 months notice for withdrawal
- 2.35 guineas, to Skynet (Skynet), Turn 18, no term, 4.5% compound, Advance warning for withdrawal: 3 turns, interest added to principal
- 2.75 guineas, to Bathtub Corsairs (Tricmagic), Turn 23, no term, 6% fixed (0.165. x2=0.33), 2/3 suspension, Advance warning for withdrawal: 3 turns 0.1 paid

Credits:

- 5 guinea, from Lord Pibleton (Kashyyk), Turn 17, 6 months, 0.5 monthly 3/3 suspension available, Interest accrued: -2.14, Interest paid:4.32 Expiration: Turn 23
- 5.1 guinea, from Bathtub Corsairs (Tricmagic), Turn 20, 6 months, 0.51 monthly 0/3 suspension available, Interest accrued: -5.47, Interest paid:7 Expiration: Turn 26
- 3.4 guinea, from Powder and partner (Powder miner), Turn 21, 6 months, 0.34 monthly 1/3 suspension available, Interest accrued: -1.78, Interest paid:0.00 Expiration: Turn 27
- 3.2 guinea, from Bathtub Corsairs (Tricmagic), Turn 23, 6 months, 0.32 monthly 2/3 suspension available, Interest accrued: 0.32, Interest paid:0.00 Expiration: Turn 26-29


Good Will Assets
-1 guinea to explorer Dotty
-10 sand to Moira Libum
-10 wool to Moira Libum

[andrea]

Ok. I seem to have 24 guineas available for loans.

But first things first:

@Tric:
Pay 0.1 guinea from New motherland chart sales

We, the undersigned Sharky financial services, agree to transfer 9 guineas to the undersigned company, Bathtub Corsairs.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

After 3 months, it is possible to terminate the contract early, paying the principal and all the prior interest.

Signed:
-Sharky's financial services
-

@Flazeo
Travel safe!
Here are your SCOPE plans:

We the undersigned Sharky's financial services, agree to provide blueprints for a SCOPE to the undersigned Wilco Ventures at a cost of 0.8 guineas. Said blueprints are to be used for the manufacture of a single device, then destroyed. Unlawful copy of the blueprint either directly or indirectly shall incur a fine of 5 guineas.
Sharky's financial ventures only provides the single use blueprints, not the full product. It is up to the buyer to gather the raw materials for assembly (aka: bring your own sand)

-Wilco Ventures
-Sharky's financial services

You inquired about a spring loan earlier. I seem to have plenty available currently

[evictedSaint]

I'd like to borrow 18 Guineas, please.  I am currently in the market to purchase Caravels.

[TricMagic]

We, the undersigned Sharky financial services, agree to transfer 9 guineas to the undersigned company, Bathtub Corsairs.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

After 3 months, it is possible to terminate the contract early, paying the principal and all the prior interest.

Signed:
-Sharky's financial services
-Bathtub Corsairs

Be a bit before I buy the ship.

Spoiler (click to show/hide)

Gold n' Silver
Funds: 11gn
Favor: 1

Goods n' Operations
Commodities: 0 Units of Sand, 0 Units of Wool
Investments:  10/10 Guineas in the Magierin. 10/10 Guineas in the Bloody Shark. 10/10 Guineas in the Yet Another Pirate. 10/10 in the Motherland's Bounty
3gn(6% Interest) Deposit at Sharky's Financial Services. 3 turn notice for withdrawals.
4.4gn Due in three turns, or .275gn additional per turn after.
Allied Interests:  New Motherland Contract(.1 per contract sold.)

Expensive Trinkets
Letter of Operation: We of the Bathtub Corsairs shall shall across the seas and bring back gold and Guineas with which to fill our coffers. No matter the cost or legality we sail to uncharted waters, dreaming of the golden bathes. [Doesn't actually exist. Just a motto for now.]
Protoscope: The original Scope developed through invention. Just a trinket without a ship to make use of it, but classical. Currently on Expedition.


The Pirate Fleet
Magierin
Status: Departed
Currently Intact.
Equipment: None.
Current Route/Trade: Norderland Wool

Bloody Shark
Status: En route, due back in one turn?
Currently Intact.
Equipment: None.
Current Route: Norderland Wool

Yet Another Pirate
Status: In port.
Currently Missing
Equipment: None.
Current Route: New Motherland Hemp

Motherland's Bounty
Status: Departed
Currently Intact.
Equipment: None.
Current Route: Norderland Wool

Pirate's Question
Status: Departed.
Currently Intact.
Equipment: None.
Current Route: Norderland Wool

[evictedSaint]

In recognition of Draignean transferring all of his owned shares of the Giddy Chicken to Happy Crab LLC, we have elected to distribute two (2) additional Crabucks (henceforth rebranded as "Crabawks" to represent our diversification into chicken-related obsessions) in return.

[EuchreJack]

I'd like to borrow 18 Guineas, please.  I am currently in the market to purchase Caravels.

You'll have to borrow from both Andrea and myself to get that amount of funds.  How would like to divide that?  You could be fair and borrow 9 from each of us, but if you'd rather borrow as much from Andrea as possible and come back to me for the rest, I'll still do business with you.

[evictedSaint]

I'd like to borrow 18 Guineas, please.  I am currently in the market to purchase Caravels.

You'll have to borrow from both Andrea and myself to get that amount of funds.  How would like to divide that?  You could be fair and borrow 9 from each of us, but if you'd rather borrow as much from Andrea as possible and come back to me for the rest, I'll still do business with you.

Sure, I'll take 9 from each

[andrea]

We, the undersigned Sharky financial services, agree to transfer 9 guineas to the undersigned company, Happy Crab LLC.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

After 3 months, it is possible to terminate the contract early, paying the principal and all the prior interest.

Signed:
-Sharky's financial services
-

[evictedSaint]

We, the undersigned Sharky financial services, agree to transfer 9 guineas to the undersigned company, Happy Crab LLC.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

After 3 months, it is possible to terminate the contract early, paying the principal and all the prior interest.

Signed:
-Sharky's financial services
-Happy Crab LLC

[EuchreJack]

Ninja'd by the shark, I'll just copy that language and insert my firm's name.  You can hire the Shark's lawyers to explain it to me sometime.

We, the undersigned First United Sandbank, agree to transfer 9 guineas to the undersigned company, Happy Crab LLC.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

After 3 months, it is possible to terminate the contract early, paying the principal and all the prior interest.

Signed:
-First United Sandbank
-

[evictedSaint]

Ninja'd by the shark, I'll just copy that language and insert my firm's name.  You can hire the Shark's lawyers to explain it to me sometime.

We, the undersigned First United Sandbank, agree to transfer 9 guineas to the undersigned company, Happy Crab LLC.
This amount will incur into a monthly interest of 10% of the initial sum. The initial sum will need to be repaid in full after 6 month. Failure to pay interests or to provide the full initial sum at the end will cause expropriation of assets for at least equal value.
In consideration of the cyclical nature of trade, it is agreed that interest payments can be suspended for up to 3 months. The amount due will still need to be paid either immediately or spread across the rest of the loan. No further suspension can be awarded until there is no longer outstanding suspended interest.

After 3 months, it is possible to terminate the contract early, paying the principal and all the prior interest.

Signed:
-First United Sandbank
-HappyCrab LLC

[TricMagic]

How did you even get the royal favor to afford that, or did you work out a backroom deal?

Also Andrea, 3*6% is 0.18 interest per turn. That said, I'm just going to dump the interest into my account. Let it build over time.

Shipbuying part Z
We, the undersigned private entities, agree to purchase the ship 'Gentle Waves' to sail the route between the Motherlands and the 'New Motherland' until the ship has sunk or it has been chosen otherwise. Percent shares will be given out to all investors proportional to how much they have invested into the vessel. They can be sold or given away at any time. These shares entitle the holder to a percentage of the 'Gentle Waves' cargo as much as the amount of shares that are owned. Repairing the ship will be carried out through the use of a "repair fund". Owning shares obligates the owner to pay that percentage of the missing sum to fully repair the ship. Any costs associated with travelling of a route shall also be borne by all participants in proportion to their share of the ship. Failure to pay will lead to those shares being auctioned off, and the money being put into the "repair fund". These "repair funds" can be used to purchase new ships with the agreement of the involved parties, new shares being given out in accordance of shares currently owned.  Any executive decisions of the ship, such as changes to the name or destination, require the owners of at least 60% of all shares of the 'Gentle Waves'.
 Any modification to this contract requires all shareholders of the 'Gentle Waves' to be in agreement.

- Bathtub Corsairs: 11 Guineas

ACTACTACT: Another bathtub frilled with coins equaling 11! Guineas is delivered to the office as payment and set down gently, as is right for commissioning a ship. The Gentle Waves go out with the tide. Destination is New Motherland.

ACTACTACT: To note, Yet Another Pirate is also set to sail for the New Motherland. For Hemp!

Spoiler (click to show/hide)

Gold n' Silver
Funds: 0gn
Favor: 1

Goods n' Operations
Commodities: 0 Units of Sand, 0 Units of Wool
Investments:  10/10 Guineas in the Magierin. 10/10 Guineas in the Bloody Shark. 10/10 Guineas in the Yet Another Pirate. 10/10 in the Motherland's Bounty. 10/10 in the Pirate's Question. 10/10 in the Gentle Waves.
3gn(6% Interest) Deposit at Sharky's Financial Services. 3 turn notice for withdrawals.
4.4gn Due in three turns, or .275gn additional per turn after.
9gn loan, 10% interest. .9gn added per turn, 6 turns.
Allied Interests:  New Motherland Contract(.1 per contract sold.)

Expensive Trinkets
Letter of Operation: We of the Bathtub Corsairs shall shall across the seas and bring back gold and Guineas with which to fill our coffers. No matter the cost or legality we sail to uncharted waters, dreaming of the golden bathes. [Doesn't actually exist. Just a motto for now.]
Protoscope: The original Scope developed through invention. Just a trinket without a ship to make use of it, but classical. Currently on Expedition.


The Pirate Fleet
Magierin
Status: Departed
Currently Intact.
Equipment: None.
Current Route/Trade: Norderland Wool

Bloody Shark
Status: En route, due back in one turn?
Currently Intact.
Equipment: None.
Current Route: Norderland Wool

Yet Another Pirate
Status: In port.
Currently Missing
Equipment: None.
Current Route: New Motherland Hemp

Motherland's Bounty
Status: Departed
Currently Intact.
Equipment: None.
Current Route: Norderland Wool

Pirate's Question
Status: Departed.
Currently Intact.
Equipment: None.
Current Route: Norderland Wool

Gentle Waves
Status: In port.
Currently Intact.
Equipment: None.
Current Route: New Motherland Hemp

[/quote]