For cutters who need to make big purchases but have little more than cold winds and moths in their pocketbooks, there's the Bronze Bezants. Located in the Market Ward, it's a favored stop for Cagers and out-oft-owners alike who're in the market (heh) for major buys. Before he'll make a loan, F. Moskin Faz requires borrowers to provide a letter of recommendation from any reputable Cager and a statement of purpose explaining how the applicant intends to use the money. Faz prefers to make loans for business ventures and family emergencies; he frowns on berks who borrow jink for luxury items.
If Faz agrees to make the loan, he spells out the terms:
- A borrower must provide collateral in the form of merchandise or property with a value of at least 100% of the loan amount. (If the borrower wants 50 gp, Faz requires collateral valued at 50 gp or more.)
- The loan fee is 25% of the amount requested (rounded up to the nearest gp).
- A borrower must repay the loan in four monthly installments of approximately equal sums, beginning one month after the loan is made. When the borrower makes the final payment, Faz returns the collateral.
If a borrower misses a payment, even by a day, the agreement is cancelled. Faz keeps all payments made to date, along with the collateral. Additionally, the borrower may be subject to any or all of the penalties discussed in the Earnest Money guidelines in the Shopping in the Market Ward section.