Banks can lend gold. They should also be able to lend credits. (maybe even ships eh?)
It might be a bit challenging to figure out payments as we cant pay less than 1 cred.
Possibly have a limit that minimum would have to be 1 credit a day? so If we loan 90 credits, maximum length would have to be 90 days.

Why not lend gold to buy credits

I agree with grapefruit: Borrow gold and buy the credits. If anything, getting your hands on credits is TOO easy, since anyone can just send them to you, not even requiring a bank for the transfer.

Grapefruit wrote:Why not lend gold to buy credits

+1 to what grapefruit says

+1 to the others. And a big -1 to the idea of ship lending as it could be abused by bankers during times of conflict and act as storage for ships etc