Magister Loans & Debt Collection System

Elevate your city’s economy with a fully interactive, high-stakes financial system. Tired of flat, boring banking menus? The Magister Loans & Credit System introduces realistic credit scores, scaling borrowing limits, and a completely custom Debt Collection Agency loop that generates endless, high-stakes roleplay for both civilians and businesses.

Built with a stunning, Apple VisionOS-inspired glassmorphic interface, this script looks incredibly premium while running flawlessly at 60+ FPS with zero FiveM Chromium rendering bugs.

🌟 Premium Features

• VisionOS-Inspired UI: A completely custom, lightweight HTML/CSS interface featuring pure CSS glassmorphism, dynamic radial lighting, and a persistent Light/Dark Mode toggle that saves to the player's local cache. Zero reliance on heavy UI frameworks or buggy CSS blur filters!

• Dynamic Credit Scores (0-999): Players build their credit through reliable manual payments, unlocking higher borrowing limits. Missed payments automatically tank their score and accrue late fees.

• The Debt Collection Loop: When players default on their loans, the bank locks them out. The debt is sold at a discount to the player-run Debt Collection Agency, shifting the script from a banking tool into an active bounty hunt.

• Live GPS Target Tracking: Collection agents can initiate an active, live-updating map blip that tracks the debtor's moving location every 10 seconds. The system automatically detects if the target combat-logs or disconnects.

• Custom NUI Alerts & Modals: Say goodbye to generic notifications. Immersive, beautifully styled custom modals pop up for loan confirmations, debt resolutions, and live agency alerts when a debtor pays their fine.

• Physical Paperwork & Metadata: Fully integrated with ox_inventory. Generates physical "Loan Agreement" and "Credit Report" items stamped with live metadata (Citizen Name, Principal, Interest, Total Owed, and Loan ID).

• Agency Boss Management: Built-in roster system allowing agency bosses to view, hire, and terminate employees directly from their tablet, complete with offline management and society fund integration.

🕵️ How the Roleplay Loop Works

1. The Default: A citizen misses their manual bank payments. Their credit score drops, late fees are applied, and their account goes into default.

2. The Purchase: The debt appears in the Agency Boss Menu. The agency uses society funds to buy the debt from the bank at a configurable discount (e.g., 50%).

3. The Hunt: The debtor is locked out of the bank. The assigned collector gets the physical Loan Agreement, activates the live GPS tracker, and hunts the debtor down in the city.

4. The Resolution: The collector forces the debtor to pay up. The collector clears the debt via their tablet, which instantly routes the funds to the society account, pays the collector a commission, and sends a custom "Debt Resolved" UI alert to the civilian.

   🔒 Asset Escrow & Customization

   This resource is protected by the FiveM Asset Escrow System. The core client and server logic are encrypted to protect the integrity of the script, but the following files are completely open-source so you can adapt the script to your server:

   • config.lua - Fully editable (adjust all rates, limits, locations).
   • client/target.lua - Fully editable (supports swapping from standard targets to custom eye scripts).
   • html/* (UI Files) - 100% Unlocked. You have full access to index.html, style.css, and script.js to translate text, change branding, or adjust the styling.
   • functions.lua - The Notification Bridge.

   💻 Developer Integration & Hardcoded Events

   Because the server/main.lua file is encrypted via escrow to protect the core logic, please review the following hardcoded dependencies before purchasing. If your server uses deeply custom variants of these systems, your custom scripts MUST have backwards compatibility wrappers for these native events, otherwise you will need to request an unescrowed version.

   1. Personal Banking Transactions The script deposits loan payouts and withdraws manual payments using native QBCore functions:

   • Player.Functions.AddMoney('bank', amount, 'loan-disbursement')
   • Player.Functions.RemoveMoney('bank', amount, 'loan-payment') (Compatible out-of-the-box with Renewed-Banking, okokBanking, and standard qb-banking as long as core QBCore money functions remain intact).

   2. Society / Business Funds The script handles the Debt Agency buying defaulted loans, receiving payouts, and boss deposits/withdrawals strictly using qb-management exports:

   • exports['qb-management']:AddMoney(Config.DebtCollectorJob, amount)
   • exports['qb-management']:RemoveMoney(Config.DebtCollectorJob, amount)
   • exports['qb-management']:GetAccount(Config.DebtCollectorJob) (If your banking system replaces qb-management entirely without leaving bridge exports, society deposits will fail).

   3. Inventory & Metadata (Crucial) This script dynamically generates Loan Agreement paperwork with live metadata (Principal, Interest, Total Owed, Names). It is hardcoded to use ox_inventory:

   • exports.ox_inventory:AddItem(source, 'loanagreement', count, metadata) (If you are strictly using qb-inventory, qs-inventory, or ps-inventory, you must ensure they have an ox_inventory bridge enabled, or you will not receive the physical paperwork).

   4. Targeting System Targeting is completely open-source in client/target.lua. It natively supports ox_target and qb-target (toggleable in config.lua), but you can rewrite this file to support any third-party interaction script (like qtarget or custom text-UIs).

   5. Notifications Because the main logic is encrypted, you cannot edit the native notification calls directly in the main files. To solve this, we use an open-source bridge file: functions.lua. If your server uses a custom notification script (e.g., okokNotify, mythic_notify), simply open functions.lua and replace the default QBCore notification export inside the SendNotify function.