The cost of capital (interest rates) in Transport Tycoon are neglectable with the maximum interest rate currently set at 4%. This means that for advanced players, it will always pay off to take out the maximum loan, of that money can be invested. I would like to make the consideration of whether to take out a loan a bit more challenging for the advanced players. Therefore I propose removing (or at least greatly increasing) the credit limit. To balance this off the interest rates should progressively increase as you take out loan. And my progressively I do not mean that they should increase from 4% to 5% to 6% and so on, but rather from 4% to 15% to 30% or similar. At 250% interest rate, even the advanced players who know all the tricks in the book, will have to think carefully of whether the additional loan will pay for itself or not, and it would mean high-risk playing style to take out that additional loan, but it might pay off to secure the best market in a competitive environment.

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To ease the development, the increased interest rates could apply to the whole loan, in this way the interest rates would not have to increase as dramatically. This should be a minor change, which is very easy to develop, but there might be balancing issues, such as people taking out huge credits to make a hostile takeover of a competitor, just to use the money of the competitor to pay back the credit, which is just the kind of balancing problems that sometimes apply in the real world to private equity funds. They could be easy to mitigate, to say that if the interest rate is above 15%, then no shares can be bought.