They balanced it so businesses make a reasonable amount of money. I get around 200 - 400 denars per day for each brewery I build. That's really not reasonable, for 14k~ that's nearly 70 days at least for a return. By then you will probably have a castle or town. Workshops aren't meant to be able to sustain your 100 man elite army.
You can literally just spend hours murdering looters by yourself and make plenty. Once you start massacring enemy lords the denars just roll in. Workshops/Caravans/Fiefs are basically inconsequential. If you still need more money then start working on your smithing. Sell javelins for 10k each or make a fancy two-handed sword and sell it for 60k.
yes this screen is from 1.8.0 clean. year 1888, so a little bit down the road. i also made the experience that the workshops are less static on their income. mostly in a negative way. the silversmith made 800 denars at the first 2 days and then it dropped down to 200, sometimes below. never got back to 800 again.
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However, if the workshop is at risk of bankruptcy (when its capital reaches 1/4 of the initial investment), it will use the revenue from selling the goods to replenish its capital. All fees will be deducted from the workshop's capital, and you will need to visit the workshop from time to time to deposit money so that it can operate autonomously.
It seem to be similar to the workshop coding where you have to fill the initial investment first. I read something about the code at one time and now I cannot find the link. At any rate, check your clan tab to ensure the caravan is still moving, not captured. If it is good, give it a week or so. Also, they do make money.
If the towns villages don't produce what the workshop needs, it won't make anything, thus won't make money. How much the villages produce (hearth) effects how much you produce. How much your product sells also matters. Also: workshops make money in intervals, as they need time to create their product.
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mount and blade bannerlord workshop not making money