Over time you will gain money, and the town will gain money. For every 10 dollars the town makes, you gain 1 dollar, and the Treasury gains 3 dollars. For every 10 dollars the businesses make, you gain 2 dollars, and the Treasure gains 4 dollars. You will first get the question how much you want to pay to Town Upkeep, once you answer that question you will get the question how much you want to load to businesses, the businesses will have to pay off the dept over time. When paying to Town Upkeep, 1/2 of the money will lower the Town Upkeep, 1/4 will raise Town Income, and 1/10 will raise Business Income. When loaning to Business, 1/5 of the Business Income will be removed until the Loan is paid off. As well as the Business Income being raised by 1/2 what you Loaned.