Do you feel like starting a new playthrough, but don't want to go through the early game hassle? Jump start your farming career with a Flying Start Loan, which offers a choice of convenient tools or utilities from the get-go. In exchange, interest will be collected from your earnings until the loan is fully repaid.

Details

This mod is intended to be a lightweight, balanced way to start a new game without starting from square 1. On your first day at the farm, a letter will arrive in the mail, which offers a choice of goods. Each possible choice is geared towards a certain skill.

• Farming (Crops) -> 25 Basic Sprinklers
• Farming (Animals) -> Supplies for a Coop and Chicken; Talk to Robin to build your Coop.
• Foraging -> Upgrade your axe to a Steel Axe
• Mining -> Upgrade your pickaxe to a Steel Pickaxe
• Fishing -> Fiberglass Rod with lots of Bait
• Combat -> A decent sword and boots
• Money -> Just money
  

Of course, there is always the option to decline and start the game normally.

The loan is tracked by a quest entry in your journal. As long as the loan is active, 15% of earnings from shipping goods will be collected as interest. (Sell your goods directly at shops to bypass this!)

By default, the loan amounts to 10,000g. This can be repaid at your mailbox, either in increments or all at once. Repay your loan quickly to avoid substantial interest payments.

Multiplayer

This mod supports multiplayer!
Make sure all players have the same version of the mod installed.

Each farmer will be offered their own loan, and their debt is tracked individually. Interest collection depends on whether money is shared or separate.

• Shared money - Interest is collected on all shipped goods, as long as any farmer has debt.
• Separate money - Interest is only collected on goods shipped by farmers with debt.
  

Installation

It is usually best to use a mod manager, such as Vortex.

For manual installation:

• Install the latest version of SMAPI and Json Assets.
• Download the mod and unzip contents into Stardew Valley/mods.
• Run the game using SMAPI.
  

Configuration

After the game launches for the first time, a config.json file is generated, where the following fields can be modified.

• LoanTotal - The total amount of money to repay.
• InterestPercent - The percentage deducted from shipping profits.
• SprinklerCount - The number of sprinklers given by the sprinkler option.
• HayCount - The amount of hay given by the chicken coop option.
• BaitCount - The amount of bait given by the fishing rod option.
• MoneyAmount - The amount of money given by the lump sum option.