Hi Kontio -
Ah yes, good point - that is what I was wondering about is the balance. But I still am unclear on how you can get hundreds of millions in loans this early in the game. Example:
Lunar Air (nothing against him, he just happens to have the most planes) has avg tix price of: 171 USD. He transports 663,000 passengers a month. This is 113M in revenue each month. However, he also has 21,000 staff to look after. That is roughly $24M a month in costs.
So the 113M becomes 90M a month. Then you have to take out other costs like maintenance, C check, etc.
Anyway a profit margin of 20% in this game would be very strong. So just for the sake of argument let's say Lunar Air makes $23M a month in profit. He has 30 Airbus A-320 200s. That plane costs approx. 3M per plane to lease since you have to pre-pay the first 4 month's payments. So for 30 of those that is 90M right there.
Then he has another 48 737-200 Adv. Those are approx. 2M a piece up front to lease. So that is another 95M. So right there just for those two plane types you are looking at 100M or 5 months profit for an airline Lunar's size to lease those two plane types.
Then you have to remember there are still several hundred other aircraft in his fleet.
I guess what I am getting at is that the formula like you said seems a bit unbalanced. Perhaps too biased toward larger airlines.
It should indeed be easy to take out a loan if you are a big airline compared to a small one, but it seems to be too easy to do so in this game. For example I do not see any bank in real life lending hundreds of millions to an airline like Lunar if they profit margin is -1.6%.
I am not sure what the formula lakes like, it just seems inaccurate.