IMF Loan ability: Gives you $10,000 but you have to pay it back over time.
~ In-game description

IMF Loan is the Path 2, Tier 4 upgrade of the Banana Farm in BTD6. In addition to a bigger bank capacity of $10,000 ($12,500 with the Monkey Knowledge "Bigger Banks"), the IMF Loan has a special ability where, upon activation, the player is loaned $10,000, at the cost that half of the player's earnings to go into paying it off gradually (cost of 40% earnings with Backdoor Deals). IMF Loan abilities are still allowed to become activated while the player is in debt, but each subsequent IMF Loan ability usage comes at the cost of an extra $5000 debt ($4000 with Backroom Deals) and only an extra $5000 loan ($6000 with Backroom Deals) per ability usage.

The special ability has a cooldown time of 90 seconds, and additionally can't be used until the loan is entirely paid off.

IMF Loan Ability

Upon activation, the player will receive $10,000 but at the cost of $10,000 debt. The ability will recharge after 90 seconds, but can only be activated again if all of that IMF Loan Bank's debt is paid off. Both the loan and the debt will increase to $12,000 with the Monkey Knowledge "Backdoor Deals".

How the "debt" works is that 50% of all income gained (40% of all income gain with Backroom Deals) from all sources will be used to pay off the debt. The amount of income used to pay off the debt is paid off onto the first IMF Loan that owes money and then onto any other subsequent in-debt IMF Loans after paying off the first IMF Loan. The in-debt penalty will remain until all of the debt is paid off from all IMF Banks. The amount of debt is displayed to the right of the cash counter on the top of the screen. The amount of debt of a certain IMF Loan Bank is shown in the respective IMF Loan Bank. Note that you can still sell an IMF Loan Bank while any of the loans are in debt (including itself), but the loan debt will remain until fully paid off. Fortunately, it is impossible to lose as a result of not paying off IMF Loan debts because bankruptcy is non-existent in BTD6.

Unlike normal loans, the player cannot manually pay off the debt of a certain IMF Loan Bank.

The ability cannot be used if the player still has debt from the IMF Loan Bank.


IMF Loan is a tricky ability to master, as though it is an ability explicitly about gaining money in a large burst, it effectively cancels out the profit with the penalty of a loan which halves the gains of all revenue sources (including other IMF Loan abilities) by paying itself off, leading to an ability that has a net total of zero change in the long-run.

However, the use of the ability can be one of the most powerful in some regards, as it provides the player with a powerful utility: sudden income for panic purchases or reinvestment into other Banana Farms. For the former, having an extra $10,000 to use in the now can be a major game changer, providing a large portion of cash for the cost of expensive, powerful towers, potentially allowing a defense to hold out where waiting for $10,000 to come naturally would be irrelevant since the player would have lost the game.

On the other hand, it provides a high risk in crippling economic gains in favor of long-term revenue but can help to pay off the debt the ability itself creates. This can also be seen with the use of the ability to upgrade the IMF Loan building itself into a Monkey-Nomics building, providing anywhere from an eighth to one-twelfth of the total cost depending on difficulty cost modifier, as well as opening the Tier 5 ability to help pay off the resulting debt quickly.

One important factor that can help increase the effectivity of the IMF Loan ability is a piece of Monkey Knowledge, being Backroom Deals. With Backroom Deals, $12,000 is loaned off at a time, effectively increasing the potency of the ability by 20%. This also is compounded with a 40% payoff rate and the resulting $12,000 debt, making payoff much longer but also far less taxing if more money is required during the payoff period. With this in play, it exacerbates both positives and negatives of the ability, though the benefit far outweighs the damage, as an extra $2,000 can allow for earlier high-cost purchases on revenue building towers and set up for a heavily prepared late game.

Income Earnings

The following are tables regarding the income production rate of the normal Monkey Bank function of the IMF Loan upgrade. In general, it has a higher bank capacity but a similar income production rate to Monkey Bank.

Income earning per round (12.0 and later)

As of Version 12.0, bank income bonus has decreased from +$160 to +$150 by default, including for IMF Loan. Therefore, instead of at least $240 per round, this income gain is decreased to at least $230 per round.

Note: The table assumes that the IMF Loan has been initially upgraded before the round starts and that the income is given as when after the round.

Round while full cash stored 0/4/x 1/4/0 2/4/0 0/4/x + Benjamin Lvl 5 1/4/0 + Benjamin Lvl 5 2/4/0 + Benjamin Lvl 5 0/4/x + Benjamin Lvl 9 1/4/0 + Benjamin Lvl 9 2/4/0 + Benjamin Lvl 9
1 265 311 357 TBA TBA TBA TBA TBA TBA
2 569 668 766 TBA TBA TBA TBA TBA TBA
3 918 1078 1238 TBA TBA TBA TBA TBA TBA
4 1321 1550 1780 TBA TBA TBA TBA TBA TBA
5 1783 2094 2404 TBA TBA TBA TBA TBA TBA
6 2315 2718 3121 TBA TBA TBA TBA TBA TBA
7 2927 3436 3945 TBA TBA TBA TBA TBA TBA
8 3631 4262 4894 TBA TBA TBA TBA TBA TBA
9 4440 5212 5984 TBA TBA TBA TBA TBA TBA
10 5370 6304 7238 TBA TBA TBA TBA TBA TBA
11 6440 7560 8681 TBA TBA TBA TBA TBA TBA
12 7671 9005 10339 TBA TBA TBA TBA TBA TBA
13 9086 10666 12246 TBA TBA TBA TBA TBA TBA
14 10714 12500 12500 TBA TBA TBA TBA TBA TBA
15 12500

Income earning per round (11.0-11.2)


Income earning per round (pre-11.0)

The following is information regarding income earning per round for the IMF Loan before it received a buff when combined with Benjamin. On Version 7.0 and later, there was a Monkey Bank nerf that did not affect IMF Loans or Monkey-Nomics.

Note: The table assumes that the IMF Loan has been initially upgraded before the round starts and that the income is given as when after the round.

Note 2: In BTD6 v3.x, the Monkey Bank (implied for the IMF Loan; originally tested by Monkey Bank) does not appear to consistently calculate interest correctly for the 0/3/x and 1/3/0 banks. The following results are the maximum of three tests

Round while full cash stored 0/3/x 1/3/0 2/3/0 0/3/x + Benjamin Lvl 5 1/3/0 + Benjamin Lvl 5 2/3/0 + Benjamin Lvl 5 0/3/x + Benjamin Lvl 8 1/3/0 + Benjamin Lvl 8 2/3/0 + Benjamin Lvl 8
1 276 322 368 290 338 386 298 348 397
2 593 692 791 623 671 831 641 748 854
3 958 1118 1278 1006 1109 1342 1035 1150 1380
4 1309 1608 1838 1447 1614 1929 1488 1670 1985
5 1782 2171 2481 1954 2198 2605 2010 2268 2680
6 2325 2819 3221 2537 2861 3382 2609 2956 3429
7 2953 3564 4027 3207 3628 4276 3224 3747 4341
8 3589 4420 4999 3978 4511 5256 4006 4657 5390
9 4403 5405 6116 4865 5525 6382 4830 5703 6569
10 5339 6538 7402 5884 6692 7726 5853 6907 7983
11 6347 7840 8834 7058 8034 9271 7029 8290 9577
12 7506 9339 10481 8391 9561 11000 8382 9882 11412
13 8908 11008 12421 9867 11354 12500 9937 11654 12500
14 10520 12500 12500 11564 12500 11651 12500
15 12374 12500 12500
16 12500

Update History


Buff Cost of IMF Loan is cheaper ($12000 --> $7500)


Nerf IMF Loan ability (along with other income-based abilities) now undergo the full initial cooldown before initial ability usage


Nerf IMF Loan bonus cash produced per round reduced from $160 to $150.


Change balloon (Undocumented) If the IMF Loan's debt has been paid off, the Banana Farm that triggered it cannot use its ability until the next round starts.



  • IMF stands for International Monetary Fund, and it loans money to countries with troubled economies.
  • The IMF Loan's loan does not work like a real-life loan for the following reasons:
    • Real-life loans require all of the loan plus interest to be paid off until the loan debt reaches the maximum loan debt allowance, which otherwise would lead to financial consequences such as bankruptcy.
    • Interest as increased debt for real-world loan debts increase over time; IMF Loan debt remains constant between the end of a round and the beginning of a round.
    • Paying off the IMF Loan debt decreases with the increase of income gain (from any source or income gain), rather than not gaining income as debt is being paid off.
    • Such automatic paying off the loan is always 50% of the income earned, but automatic paying off loans does not exist or is not commonplace.
    • One can basically not pay back an IMF Loan for however amount of rounds as the player wishes without losing from forced bankruptcy.
  • In Version 7.0, the Monkey Bank received a nerf to the amount of bank capacity, leading to the Monkey Bank to have an overall lower bank capacity. This was not the case for IMF Loan, causing an indirect buff to the IMF Loan.
    • The normal Monkey Bank now has $7,000 in capacity while the IMF Loan still has $10,000.
  • Using multiple loans at once will grant the full $10,000 from the first ability, but each subsequent loans will be affected by the other loans, granting $5,000 ($6,000 with Backroom Deals) and will only increase the total loan by $5,000 ($4,000 with Backroom Deals) rather than $10,000.
    • This is because 50% (40%) of the loan is being used to pay off the existing debts.
  • There was a known bug related to IMF Loan in Co-Op where towers can disappear when the server refreshes the map to sync the game if there is an IMF Loan present on the map. This seems to be patched around version 12.0.

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