Interesting idea! In the beginning there's a gun shop shown, but you're given a gun in the wave anyway so it looks like it's better just not to buy any gun at the beginning. When I buy one at the start, I still get the same gun anyway during the wave as if I don't buy one at all. This was actually a bit confusing and then it took me some time to figure out what to do with approving and declining the loans, I wonder if something there should be made more clear. Overall nice job on the game though!