Market Discussions

Well, actually I am in your shoes because I, too, wouldn't say "no" to 30b coming my way. But you don't see me asking for a loan here.

edit: Do some trading until you have 500m NAV. Then ask for 2b offering API access to prove your successful trading history so far. Make it clear that you don't intend to grind rep and won't ask for larger loans in the near future. Mention how much you learned from your failed attempt at raising 30b. Pay the 2b back after 1-3 months and then stop relying on public funding.
I can't tell you to roll a different character because that would make me a very bad MD citizen.

If i go to the bank with a bad business plan i would be verry happy if they could point out the flaws in my plan so that i can either rework the Original plan or stop living in a dreamworld.

Who was your character that you used prior to buying samira?

Your main, Disfail, has 3.5m sp and is born on Date of Birth 2011-02-16 02:40:00

The only confirmed sale of Samira was sold 2010.03.06 http://eve-search.com/thread/1276808-0/page/1#1

Two attempts in 2011 with no confirmation. http://eve-search.com/thread/1466608-0/page/1#9 and http://eve-search.com/thread/48561-1/page/1#11

And the most recent sale of Samira, which again has no confirmation http://eve-search.com/thread/286460-1/page/1#12

Can you also explain, why on 2013.12.12 you attempted to sell your trading chara http://eve-search.com/thread/304299-1/page/1#5 and now a few weeks later you want 30b to station trade with?

- No history on loans
- A vindictive motivation according to your own statement
- A main with 3.5 M SP
- No collateral
- A loan amount wich would only suit a VERRY select few without collateral on MD






THAT is you businessplan .



Open your eyes or your mind dude .Your not asking for a penny here , your asking for the key of the house !

Those two underlined right there is something i have never EVER understood from MD.It is verry , VERRY rare for people to not expand their loans on MD.

I allways request to be notified of an expansion and i don't like expansions when they start before a bond has finished - i usually explicitly ask for that not to be the case - but about every 2nd loan from the same char on MD is an expansion as is the 3rd and so on.The only ones that where not was when people where away from the game for a longer period and upon return had to ''repgrind'' it up a bit again.


I could throw around random statistics but this isn't GD so i won't , but i can for certain say that i can count the loans i have provided to the same people wich where for less then their first loan on one hand.That's both on Md and ingame.

.... and it's a bad habit imho.

I understand that loans can give a much needed boost to your business at certain points, namely close to its very inception and once you want to play in the big leagues (with large scale patch speculation etc) but I don't see any place for the very common mid-sized loans. Once you aren't a new player any longer 10-30b should be very much grindable. If you can't be arsed to grind for 2-3 weeks then why would you be deserving of a loan?

The goal of loans should imho be to get to a point where you no longer need to take out loans, yet I see people running mid-sized offerings for years.

Is this mainly a matter of interest rates being way too low and everybody wanting to borrow as much as possible (if yes, then why don't these people graduate to larger loans) or are many investees just bad at finances and only earn enough on their loans to fund interest payments and running expenditures?

I have a sneaking suspicion that the second case is quite common.

Small loan with no follow-up? legit guy who wants to jump-start his business before eventually standing on his own feet.
Small loan with follow-ups? rep grind
Medium-sized first-time offering? probably scam.
Slowly expanding/meandering medium-sized offerings? RP or financially irresponsible.
Large offerings? high risk, potentially legit.

(Being German I have probably imbibed the conception that indebtedness is a sign of moral failure with my mother's milk.)

As someone who reached his first billion recently, I made my money on a new account by working for it ;) Or you could cash out a PLEX.

Yeah good job. Now all you need to do is up the interest to at least 10%.

I was also a no-name like you and got 3b with Collateral for 5%. So 6% is kinda meh.

Thank you a lot Serenty. I will update the OP that your willing to loan 500mil with the assumption more backers come on board. Thanks again.

As there hasnt been much interest since i lowered my loan request to 3bil. I'm going to close this out at 10pm eastern tonight. Or 03:00 Eve time. I will be only for a while you can contact me here or by evemail. Thanks again guys.