IMF Loan (BTDB2)

"IMF Loan Ability: Gives you $20,000 but you have to pay it back over time."

- BTDB2 description

IMF Loan is the 4th upgrade on Path 2 of the Banana Farm in Bloons TD Battles 2. It is similar to Monkey Bank except it holds more total money ($20,000 vs $14,000) and gains the IMF Loan Ability, which gives the player a burst of $20,000 that must then be repaid. The loan is repaid by reducing the player's income from all sources (including other IMF Loan tower abilities) by 50% until the $20,000 is fully paid off.

Just like the Monkey Bank, the IMF Loan has a bank account with automatic payments. The payments are exactly the same as the Monkey Bank, except the maximum capacity of the bank is increased to $20,000. It pays $395 dollars into its account at the start of every round. It also makes 2 additional payments of $50 each, for a total of $495. It then multiplies the amount in the bank by 1.15 at the start of the next round before adding the next payment of $395.

Adding the top crosspath increases the number of payments to 4 per round (1/3/0) for a total of $495 per round and ultimately up to 6 per round (2/3/0) for a total of $595 per round. The 0/3/1 crosspath adds a glowing light when the bank is full, and the 0/3/2 crosspath will autocollect when the bank is full (verify if it waits a round).

It costs $7500.

Summary
Compared to Bloons TD 6, where IMF Loan is largely useless, this upgrade is very useful for strategic moves in the mid-to-late game of BTD Battles 2. By purchasing the upgrade for $7500, waiting for the cooldown, then using the ability to receive $20000, the player can quickly receive a net gain of $12,500, enough for some major rushes like fortified grouped DDTs or for strong tower upgrades.

Tips

 * Compared to buying and selling other towers for quick cash, IMF loan has the drawback of leaving you with a heavy loan, but has the benefit of its bank account. If your loan-fueled rush fails, the bank account can continue to provide you a substantial income.