# A doubt about Loans

Hello again,

What’s a Loaning Test? The book states that “The size of the Debt is equal to the obstacle of the loaning test”.

Does this mean that the loaning player has to do a Resource Test in order to loan cash or funds?

Thanks!

Yes, and the obstacle for the loaning player would be based on whether they’re creating a fund or cash (second sentence under the Loans header). Then follow those subsection rules on the facing page. So it’d be Ob 2 for a 1D cash loan, Ob 5 for 2D fund, etc.

Uhm… sorry but I’m still confused. :?

Lets say Guy-A has +1D Cash, and he want to loan it to Guy-B: he’s not creating cash, he just want to pass it. Does he still need to make the test as he was creating new cash?

I thnk if he already has the cash, then he can just loan it. However, it will incur a debt that’s equal to the obstacle of the initial test to create the cash, because if you lend a guy 1D of cash, he’ll require an Ob 2 Resources test to generate that cash to then pay you back.

Wouldn’t giving someone a cash die be covered under the Helping rules?

Ah Ok! Thanks!

I believe you can Help and give cash to another player on the same test.

It’s the lender player’s choice, if he has the cash on hand, whether to incur a debt or not. Same deal if he has to roll to generate cash or a fund to give to another player: it can be a loan or a gift thereafter.

Lender A has 1D cash, and then lends it to Player B: Lender A doesn’t test. B gets the cash die on his one test and the cash is gone. B then has +1 Ob to his lifestyle test whenever the debt is due until he has passed that test two times. If B exceeds his maintenance test, then A gets +1D to his maintenance.

Lender A has a 1D fund, and lets player B use the fund for something: if B is taxed, the fund is gone. Otherwise, after the one test, A has the fund again, B does not (plus or minus the fiction… what does the fund represent?)

Lender A has a 1D fund and lends it to B: A doesn’t test. B gets to use the fund until it is gone. B has +1 Ob to his lifestyle test whenever the debt is due, until he has passed the test three times. If B exceeds his maintenance test, then A gets +1D to his maintenance.

Lender A can create 1D cash at Ob2, or create a 1D fund at Ob3.

All of this is independent of Help.

Although the Resource system is abstracted, this process must, IMO, be tied to the fiction concretely. If you don’t, this becomes a ridiculous pyramid scheme with no day in court. Once dice of cash or fund are established as things, the GM gets to steal or destroy them as a consequence of failure. Failed firebuilding? You destroyed those tapestries putting out the fire, so that 2D of cash you were going to get from them is gone.