Trade

Blakemw — Mon, 10 Aug 2026 10:34:12 GMT

Loans

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	Trading is an interaction mechanic between player's home island and [[Villages\|villages]] on the [[World Map\|world map]].		Trading is an interaction mechanic between player's home island and [[Villages\|villages]] on the [[World Map\|world map]].

	There are ~~two~~ types of offers: '''quick trade''' and '''contracts'''.		There are three types of offers: '''quick trade''', '''loans''' and '''contracts'''.

	Currently, trading offers and their item ratios are fixed, so any world seed is guaranteed to have all the options necessary. They are also not affected by any starting settings. Though, positions of the [[Villages\|villages]] themselves are randomized at the start. The starting village, which is always revealed to the player, will always have the same trading offers.		Currently, trading offers and their item ratios are fixed, so any world seed is guaranteed to have all the options necessary. They are also not affected by any starting settings. Though, positions of the [[Villages\|villages]] themselves are randomized at the start. The starting village, which is always revealed to the player, will always have the same trading offers.
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	*Numbers are halved before building the [[Captain's Office II]] aside from the {{infoicon\|Cargo Ship}} trade		*Numbers are halved before building the [[Captain's Office II]] aside from the {{infoicon\|Cargo Ship}} trade
	*Importing {{infoicon\|Cargo Ship\|plural=s}} are the only way to get additional ones after repairing all [[Damaged Cargo Ship]]s.		*Importing {{infoicon\|Cargo Ship\|plural=s}} are the only way to get additional ones after repairing all [[Damaged Cargo Ship]]s.

			==Loans==

			Unlike the other kinds of trade, a loan borrows a lump sum of a resource now, in exchange for paying back the exact same resource in the future. Like quick trades, loans always use the Trading Dock. Loans allow obtaining certain manafactured goods, particularly all tiers of Construction Parts, which are otherwise not available via Quick Trade or Contracts.

			* A loan can only be obtained for resources you are producing, and the amount you can borrow is proportional to your estimated ability to pay installments, the maximum loan amount would require repayments about 5x your current production.
			* You must pay a fee and interest, the interest rate is 8% at the start of the game, and can become as low as 4% with high reputation. The fee is usually about equal to 1 year of interest.
			* You can choose a loan duration from 5 to 50 years, a longer loan will have smaller yearly installments, but you would pay much more interest over time.
			* At any time you can choose to repay some or all of the principal.
			* Trade Reputation is really Credit Rating, it does not interact in any way with Quick Trade or Contracts. It goes up when you pay installments, based on the original size of the loan relative to your economy when the loan was taken out.
			* Early payments have no effect on reputation either way, you don't gain reputation for the payment, and reputation gain for future installment payments is not reduced, despite the installments being smaller.
			* To maximize trade reputation gain, take a loan equal to half the maximum, you can immediately repay most of it to reduce the size of the installment payments.
			* Increased reputation reduces interest rate (from 8% to 4%), fee (from 10% to 4%) and increases volume multiplier (from 1x to 1.8x) and max loans (from 3 to 6).
			* You are not forced to repay your loans, you can de-prioritize deliveries to the Trading Dock or even bulldoze it. Naturally this harms your Trade Reputation.

			Uses for loans:

			* In an emergency if production of a critical resource like diesel collapses, a loan can quickly fill your tanks and keep your factory running while you get production back online.
			* To accelerate development, for example taking a large loan of the latest tier of construction parts to quickly build out the newly unlocked infrastructure.
			* As an alternative to stockpiles, you could for instance borrow a lot of Bricks and Steel to build a Bridge, by bulldozing and rebuilding the Trading Dock you can even choose where the resources appear.

	==Contracts==		==Contracts==

	This type of offer is intended for creating a long term supply route of some basic resource. Mechanic is intended to extend player's capabilities in the late game, mitigating the limit of finite ores and some other basic resources on the island and in the [[World Map]] finite nodes. Contracts play a decisive role when it comes to allowing a player to infinitely sustain their settlement.		This type of offer is intended for creating a long term supply route of some basic resource. Mechanic is intended to extend player's capabilities in the late game, mitigating the limit of finite ores and some other basic resources on the island and in the [[World Map]] finite nodes. Contracts play a decisive role when it comes to allowing a player to infinitely sustain their settlement.

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Blakemw — Mon, 10 Aug 2026 07:57:21 GMT

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Carbonid1 — Sun, 09 Aug 2026 16:02:00 GMT

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Trade

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