For some people, borrowing money is not a difficult matter. They simply approach friends or family and explain what they need the money for.
The process is quick and effortless. After all, it involves only two people, and the amount borrowed is usually small.
However, things are different when it comes to large-scale loans between a noble family and a specialized institution like the Trading House. Such loans involve lengthy procedures, strict requirements, and various other conditions.
That's only natural, considering the sums involved often range from millions to hundreds of millions, even billions of Sharn.
The process can be extremely difficult, often taking days or even weeks to complete.
Moreover, the Trading House does not approve every application. Rejections can occur for many reasons—unstable financial flows, problems within the fiefdom such as bandit attacks or drought, and so on.
