Banking & Finance

JetCard features a full financial system with fictional banks, loans, leases, and a transaction ledger.

Bank Page

The Bank page has two panels:

• Left — transaction ledger with filters (All, Revenue, Expenses, Loans) and date ranges
• Right — lender directory and active loans

Click any transaction row to expand it. Charter completion transactions show a detailed financial breakdown: charter value, fuel cost, FBO fee, JetCard Care, net payout, and reputation change.

Lenders

Eight fictional banks across four reputation tiers. All lenders are visible on the Bank page, but locked ones are grayed out until you reach the required reputation. The bank unlocks at reputation 25 — below that, no lender will work with you (matches the bankruptcy re-entry gate).

Within each tier you’ll see two banks: the lower-rate one offers a shorter max term, the higher-rate one offers a longer max term (+1.5% premium for the extra time). Pick based on whether cash flow or total interest matters more for the loan you’re taking.

Each bank has a named contact officer who appears in your jPhone contacts and sends you text messages about your account.

Loans

Click an unlocked lender to apply for a loan. Set the amount and term, preview the weekly payment, then confirm. Funds are deposited to your balance immediately.

Payments

• Minimum payment — one weekly installment
• Quick buttons — Min, 3 Weeks, Full Payoff
• On-time bonus — +0.3 reputation per on-time payment
• Auto-processing — a daily cron job processes overdue payments automatically

Missed Payments

Refinancing

When your reputation improves enough to qualify for a better bank, a green Refinance button appears on your active loan card. Your banker will also text you via jPhone with the offer.

Refinancing:

• Closes your existing loan (marked “Refinanced” in history)
• Opens a new loan on the remaining balance at the lower rate
• No lump sum required — the balance rolls over
• Adjustable term via slider
• Side-by-side comparison of current vs new rate, payment, and savings
• +0.2 reputation bonus for improving your financial standing

Leases

Aircraft leases work like loans with weekly payments. Key differences:

• JetCard Care is mandatory on all leased aircraft
• Weekly payment depends on lease duration — shorter leases price higher per week (less time to recover the asset), longer leases get a discount. Approximate multipliers vs the 39-week baseline: 12w ≈ 1.55×, 26w ≈ 1.20×, 39w = 1.00×, 52w ≈ 0.85×
• When fully paid, the aircraft transfers to your operator permanently
• Default — 3 consecutive missed payments results in aircraft repossession

Bankruptcy

A Declare Bankruptcy option sits on the Bank page between the bank card and your active loans. It’s a permanent account reset for pilots who’ve dug themselves into a hole they can’t climb out of.

What it does:

• Discharges all outstanding loans
• Terminates all leases (no rep penalty for the termination)
• Resets balance to $0 — forfeits the original starting cash you were provided
• Resets reputation to 0 — forfeits the starting rep you were provided, account back to all zeros
• Releases you from your employer if EMPLOYED or CHIEF_PILOT, reverts you to FREELANCE

Gates:

• OWNER pilots can’t declare bankruptcy directly — you must dissolve your operator first (Company → Admin → Dissolve)
• Active charter or trip blocks the action — complete or abandon what you’re flying first
• Two-step confirm with a check-box acknowledgement prevents misclicks
• You cannot take another loan until your reputation reaches 25 (matches the bank entry tier)

Bankruptcy is permanent — there’s no undo. Use it when an operator collapse or a string of bad decisions has left you with debt you can’t service and you’d rather start fresh than grind out of it.

Payout Structure

Your earnings per flight depend on your pilot status:

Owner payouts can go negative on unprofitable routes — picking a bad flight is a real business consequence.

Transaction Types

The ledger tracks all financial events:

• Charter Payout / Charter Revenue
• Aircraft Purchase / Aircraft Sale
• Loan Disbursement / Loan Payment / Loan Refinance
• Lease Payment
• AI Ferry / Pilot Ferry / Ferry Pay
• Formation Fee / Base Purchase
• Maintenance / JetCard Care