A question regarding loans

Hi!
I wanted to ask a pretty stupid question, since i’m 90% sure i’m missing something that is clear as day

I’ve been trying to figure out it it’s possible to take out general loans, independently from the ones that are available when buying aircraft straight from the manufacturer. In the “Corporate Finance” tab, i can on the right see a text saying “New Loan”, though below it i’ve always been seeing the following sentence: “The lenders do not consider loan requests from this enterprise to be appropriate at this time.” I thought it could have something to do with the world configuration but i couldn’t find any info on loans, unlike IPOs for example.

Since i couldn’t find anything on the forum, nor on the beginners guide, could someone explain how this works? In other words, is it possible to take out loans “on my own” so to say, and if yes, what conditions have to be met for me to gain this ability? Is it a certain weekly revenue, fleet size, etc…

Thanks in advance!

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You will need assets like seats, planes and terminals to be granted loans. I would not recommend to apply for loans in the beginning. Invest your money into new planes instead.

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Thanks for the quick reply!
For extra clarification, do i need to, for example cross a certain value of bought aircraft before becoming eligible?
Also do i need a mix of all three factors you mentioned?

If you are playing on a public world, the sum of assets must be 10 Mio AS$. You can have a mix of all three factors or just one. As you like. If you go to the balance sheet, these 2 columns are the important ones:

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