First of all, thank you very much for the feedback. The game is still in development; I am trying to add a lot of features, and I am focusing heavily on the game's economy. However, the economic balance gets disrupted with every new feature added. That is why your feedback is so valuable to me. I will certainly take your comments regarding bank loans into account. In fact, I will be releasing an update soon (within a day or two), and I would be delighted if you could test it again.
Thanks again for your kind words about the game.