diff --git a/src/lang/english.txt b/src/lang/english.txt
index 2ff0ac81fe..9e41ea5a26 100644
--- a/src/lang/english.txt
+++ b/src/lang/english.txt
@@ -1206,6 +1206,9 @@ STR_CONFIG_SETTING_HORIZONTAL_POS_RIGHT                         :Right
 
 STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN                         :Maximum initial loan: {STRING2}
 STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN_HELPTEXT                :Maximum amount a company can loan (without taking inflation into account)
+STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN_VALUE                   :{CURRENCY_LONG}
+###setting-zero-is-special
+STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN_DISABLED                :No loan {RED}Requires Game Script to provide initial funds
 
 STR_CONFIG_SETTING_INTEREST_RATE                                :Interest rate: {STRING2}
 STR_CONFIG_SETTING_INTEREST_RATE_HELPTEXT                       :Loan interest rate; also controls inflation, if enabled
diff --git a/src/table/settings/difficulty_settings.ini b/src/table/settings/difficulty_settings.ini
index c453162a18..ee68c6d30e 100644
--- a/src/table/settings/difficulty_settings.ini
+++ b/src/table/settings/difficulty_settings.ini
@@ -96,7 +96,7 @@ cat      = SC_BASIC
 var      = difficulty.max_loan
 type     = SLE_UINT32
 from     = SLV_97
-flags    = SF_NEWGAME_ONLY | SF_SCENEDIT_TOO | SF_GUI_CURRENCY
+flags    = SF_NEWGAME_ONLY | SF_SCENEDIT_TOO | SF_GUI_CURRENCY | SF_GUI_0_IS_SPECIAL
 def      = 300000
 min      = LOAN_INTERVAL
 max      = 2000000000
@@ -104,7 +104,7 @@ pre_cb   = [](auto &new_value) { new_value = (new_value + LOAN_INTERVAL / 2) / L
 interval = LOAN_INTERVAL
 str      = STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN
 strhelp  = STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN_HELPTEXT
-strval   = STR_JUST_CURRENCY_LONG
+strval   = STR_CONFIG_SETTING_MAXIMUM_INITIAL_LOAN_VALUE
 cat      = SC_BASIC
 
 [SDT_VAR]