Production Line used to be a challenging game because you could so easily fail in bankruptcy which is what made you gauge cautiously your spending. Now I have 8 loans and every time I need money, there’s a new loan available. This makes the game now too easy as there is no way to fail.
I believe you have to have loans, but it should be capped at 3 or 4 max. If you can’t make it then you need to start over and spend more cautiously.
I think the idea of being able to repay loans quicker is a good idea.
The reason most people get loans is there struggling initially with money or they want to expand sooner,loans help but could slide you into debt.
If it was possible to repay it when you have more money it saves on your hourly costs which can be crippling as i have found out.