Loan Amounts

[ArthurWellesley]

Hello

As an airline that does not own any aircraft yet, my loan amounts are rather low.  My question is, if I keep taking out loans and paying them back immediately, will I be able to drive my credit rating up and, thus, increase the amount of money I can be loaned?

[Sigma]

No, a history of successfully paying back loans doesn't increase your credit rating (at least not any appreciable amount that I've noticed).

It is instead based on your current profitability and net value.

The real secret is buying that first plane.  Once you do that, you're set.  You can borrow against it to buy future aircraft and then your fleet can grow exponentially.

[ArthurWellesley]

Ach.  Fie.  I was hoping it would work.  Finding the money to buy that first airplane has eluded me, I'm down to my last bankruptcy in the game I'm in.  Any suggestions on how to get to that first plane?

[RushmoreAir]

Lease planes at first. As long as you stay with just one or two fleet types of western aircraft, you can make plenty of money to keep your airline going. In DOTM, my airline has 69 aircraft, with 112 more on order, and is worth 400 million, yet I only own 2 of my 69 aircraft. I make $5mil per week.

[EYguy]

The credit rating is a series of indexes calculated on various lines of your balance sheet. It doesn't take in account only stock lines but also flow lines as the gross operating income, EBITDA and similar voices.
The credit rating is then issued considering some of this ratios... It means that, for instance, if you have an high EBITDA and you own some a/c, your credit rating will probably be pretty good because of the a/c considered as assets and your high EBITDA that can finance them, any other loans yo buy a/c and increase the assett and less costs considered as interest payment.

[Sami]

EY - if you're a financial expert pls feel free to post some data / info on improvement suggestions to the feature req's forum. I believe there are at least couple of open threads on the financial improvements (which are planning in near future .. once I finish reading a book on all that)