Your grants/fees are much to high on the grants side. Your giving 500 a month to your biggest grant, but only taking 80 s month from your biggest debtor. That's completely opposite to what you need. Overall, you need a lot more fees in order for the guild to generate revenue.
Yes, in BM we cant just create gold from nothing like we do in RL
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"You need money, just a second i will start money machine!"