Loyalty provides a buff when over 75 to most things. Keeping security and loyalty up is key to stable castles/towns. (charm 225 parade +5 loyalty. leadership 125 +5 sec when waiting in town/day.) if your sec/loyalty is low, it might be best to leave the town to fairgrounds daily, until its stable enough to build something. Any losses end up back in your pocket as passive income and the price impact echoes for a while. Alternatively make a monopoly, but I would only do this with Silversmiths or the like. Buying up every tannery or brewery and flipping the type is hell. One final thing is check out the workshop perks in trade and stewardship. Those really help out.

Caravans are a great way for a bannerlord to make passive income. Sure, there’s a hefty upfront cost, but with the right companion in the lead you’ll make the money back in no time. In Bannerlord, unlike previous Mount & Blade games, there are no set companions. Instead, they’re generated

In Mount & Blade II: Bannerlord, there are six different cultures to choose from. Each of these six different cultures offer you two passive perks and one passive debuff that will follow you throughout the game. You need to make sure you choose the best culture to adhere to because there is no option to alter this choice after the game starts.

The best way to make money is to get into battles. Which seems like a good idea for a battle simulator. There is no point in the game where you need to trade or smith. It is true that the economy is unfinished, but it also the least important part of the game. No one bought Bannerlord so they could maximize their passive income.
Wages add up fast. You don't have to become a vassal as soon as possible. Spend some time questing with a small-ish party of tier 3 troops and you can make tens of thousands. Clearing bandit hideouts and then selling prisoners for the "Need Manual Laborers" quest will net over 10k in payment and loot by itself.
closest you can get is to go talk to a lord (or maybe the ruler?) and bribe him into peace. since there aren't any kingdom management options, my faction declared war on them again half a second later so I became a vassal instead for now. Last edited by Fuzzyballs01 ; Apr 6, 2020 @ 4:35pm. #3.
As of the 1.8 BETA for Bannerlord, these are the working perks that grant additional renown in Bannerlord. These are all based on the role of party leader, which the player character is by default. Note that ‘Artisan Community’ and ‘Great Investor’ are choices you must make at Trade level 125, and that you can’t select both of these.
By no passive income I mean exactly that. Currently on 1.4.3 even if I put the right workshop in the perfect spot for cheaper materials so my workshop can make near max profits I spend the vast majority of the days getting sub 100 denars. The cost to buy vs the overall time for return is absolutely worthless.
That being said, the developers are saying that the official release date for Mount and Blade Bannerlord will be on the 25.10.2022. It would be strange for Taleworlds to announce a full release of the game without including all features they planned to put in the game. Perhaps we will see the inclusion of workshop levels in the full release of
Passive income is very hard to make in any decent amount in Bannerlord. Towns, workshops and caravans just don't make much even at their best. That's if you can keep your caravans from being destroyed. Smithing is always the best way to make money. That or selling loot and ransoming prisoners and enemy lords. .
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