To avoid Transport Fever 3 bankruptcy despite profitable lines, check the whole company's finances and loan repayments before borrowing again. The Money system includes building and track upkeep, subsidy penalties, construction spending, and loan costs. A profitable line alone does not prove that your bank account is growing; loan principal transactions are listed separately from Earnings.
Why Are Profitable Lines Still Losing Money?
Open the company window by clicking the account balance in the bottom-left corner, or by selecting your company headquarters. Use Finances to separate operating results from changes in cash.
| Account entry | What to check |
|---|---|
| Road / Rail / Water / Air | Vehicle running costs, building upkeep, and transport revenue; rail and road also have track or road upkeep. |
| General | Warehouse upkeep and subsidy rewards or penalties. |
| Investments | One-time spending on vehicles, roads, tracks, and infrastructure such as stations. |
| Loan Interest | Monthly fees for loans. |
| Earnings | The sum of the entries above, including their costs. |
| Loan Transactions | New borrowing and loan principal repayments, recorded separately. |
| Bank account / Debt | Your current cash and total outstanding debt. |
Do not assume Earnings excludes yearly expenses or all debt costs. Loan interest is included; principal repayments are separate. Positive Earnings can therefore coexist with falling cash.
What Should I Check Before Taking Another Loan?
Compare company results with cash
In Overview, compare Revenue and Expenses with Balance. Revenue excludes loans; a larger blue revenue column than red expenses column indicates a profitable year. Balance tracks cash and company value, so inspect cash rather than relying on company value alone.
Find the expense behind the loss
In Finances, check building upkeep across transport categories, track and road upkeep, warehouse costs, and recent investments. Check Subsidies too: failed contracts can carry penalties. Identify which entry explains the loss before expanding the network.
Check every active loan
Open Loans and compare outstanding debt, remaining term, interest rate, and annual repayment. The described repayment schedule spreads annual repayments over 15-day intervals. Account for those payments separately from the line's profit.
Fix a specific line problem when one exists
Check any line showing losses. If the issue is cargo movement, use the focused guides for trains not unloading, ships not unloading, or cargo transfers. These help investigate the transport problem; they do not replace checking the company accounts.
If you are considering a fresh start, consult starting money before choosing the next game's setup.
Should I Repay, Refinance, or Borrow Again?
Repay When You Have Enough Cash — Recommended
The loan controls include a repay button for settling outstanding debt at once. Repayment removes that debt's monthly interest obligation. Check the cash you will have left against the upkeep and other payments you identified first.
Compare Refinancing Offers
New offers appear regularly. Compare the principal, term, interest rate, and repayment amount against your existing loan. Refinancing can help with debt management, but a new offer is not automatically cheaper or sufficient to fix ongoing losses.
Take Another Loan
Borrowing adds cash and creates another debt obligation. The available loan description allows at most four active loans, and offers do not refresh immediately after taking one. Check repayment commitments before using another loan to cover a recurring shortfall.
Whether these finance labels, loan limits, and repayment intervals match the latest patch is not confirmed yet. The exact bankruptcy trigger is also not confirmed yet. Slowing or freezing the calendar as a reliable cash-flow fix is not confirmed yet; diagnose the accounts and loans first.