Extra ways to get money: borrow against your land, collect what your workers earned while you were away, and sell golden eggs.
FARM BANK: borrow money on one area you own (not the egg farm). Only one loan at a time.
| Rule | Value |
|---|---|
| Loan amount | 60% of what you spent building that area (at least $500) |
| Interest | 4% a day, plus up to 8% more the bigger the loan is compared to the whole farm |
| Term | 3 real days: 3 equal installments, one every 24 hours |
| Paying | The bank takes each installment automatically when it is due (even while the game is closed) if you have the money. You can also pay everything early. |
| Missed payment | The area is FROZEN (nothing there works) and a late fee of 10% of an installment is added per late day (max 3 fees) |
| Foreclosure | Still unpaid 3 days after the last due date, plus 30 minutes of play: the bank takes the area and everything built there |
| Coming back | Time away never adds fees; returning after 30+ minutes with a payment due gives you 10 minutes of play to pay before anything freezes |
OFFLINE EARNINGS: when you come back after at least 2 minutes away, your workers have earned 30% of your measured income for the time away, up to 3 hours. Tap COLLECT on the 'Welcome back' card. (Starts once your farm has a few levels built.)
GOLDEN EGGS appear in a coop yard every 140–240 s (twice as often with the Truffle Pig) and vanish after 25 s — walk over one to keep it. Sell them in MARKET > SELL: the more you sell at once the more each is worth (+10% per extra egg, up to double from the 11th to the 30th egg; eggs past 30 go back to the plain price).