You can earn the gold easier with fishing and selling the fish with 5 slaves all fishing and with the hunter class with silk fishing poles can get the full 100k paid.
Viewing post in Third Loan
not sure what version you used or what you're smoking, but fishing (silk = 25% bonus) is *NOT* anywhere close to being that profitable. [1 fish =3 gold] (keep in mind you still need to feed your troops---meat/fish/grain etc---if FISH, then 5 workers [@3 fish each] need 15 fish/day; if unlucky, & they eat 4+, then more 20; [chances are some eat meat/grains] ) -----once you get Hi Physics---but 1st two weeks (low physics hard to get much silk anyway!) not possible; (BTW meat also pays 3/each)
-Hints: Upgrade to *STEEL* (35% bonus) Tools (Hammer/axe/Pickaxe) ASAP: Faster resources = more $$, upgrades, etc; (can always sell Iron/cloth/wood/ etc for money for bank] (if you can find/buy Mythril (.4), Dragon Bone (.45) , or even Adamantine (.55 )! early on, it's worth it)
2nd hint: Do as many Quests as soon as possible (fighters/workers (supply) Mages); Once you get enough Guild points & start on the path to Mayor, the bank leaves you alone; (if bad luck not enough or the wrong Quests available!)
PLUS, SAVE $$$ anywhere you can! (you're a land/mansion owner, but a poor one deeply in debt)
Last: Bank comes *ONLY* on: 14/28/50 [?] days 14th--$1k due; 28th--$3k due; (so sell stuff day before or early morning;)
The "Advanced" start skips all this bank craziness! :-) [loan amounts & repayments are INSANE!]