The Illegal Farming Strategy Called IMF Loan

IMF Loan Farming Strategy

In Bloons TD 6, the IMF Loan is a bank tower whose ability provides $10,000 immediately, but the loan must be repaid over time. Income is split evenly between your available cash and your debt. For example, a $2 payout sends $1 to each.

The strategy can snowball by using loan money to buy additional IMF Loans. However, if you borrow while already in debt, part of the new loan automatically goes toward repayment. Activating a second $10,000 loan while owing money may leave only about $5,000 to spend.

Key Tactics and Limitations

• Use Bank Deposits Monkey Knowledge: Deposit cash into an IMF Loan to earn interest and withdraw more later. Deposits and withdrawals can also help repay the loan, making its ability available again.
• Track debt and abilities: An IMF Loan’s ability cannot be used again until its debt is cleared.
• Stall rounds when possible: The ability has a 90-second cooldown, so keeping rounds going long enough to use it again is part of the strategy.
• Prepare for intensive management: Repeatedly buying loans, depositing and withdrawing, tracking cooldowns, and defending can make the method complicated and tedious.

When managed well, IMF farming can generate tens of thousands—and potentially over $100,000—before the Tier 1 boss appears. It is powerful but cumbersome for ordinary play, and is mainly appealing for ranked boss events.

Featured source: Ethan Reid (video creator).