The Apples' Debt

by BrightDawn

Rating: mature
Tags: Sex, Anthro, Applejack, Apple Bloom, My Little Pony: Friendship is Magic, Granny Smith, Romance, Drama, Original Character, Big Macintosh
Length: 4100

A story about the Apple family almost losing their farm, partially losing their stubbornness and Applejack eventually gaining a banker as a lover because of this

After pride drives the Apple family to mismanagement, Compound Interest, the banker comes to foreclose on them. Applejack has to anything she can to convince him to find another solution. And Compound Interest in turn has to convince the rest of her family to go through with this other solution.

BDSM in chapter 2, semi-regular shenanigans in the rest

Published 2017-08-06 06:30:06 UTC
Last updated 2017-08-06 06:30:06 UTC

Meet and greet

"The Apples are a proud and stubborn bunch."

His driver, Abiding Traveler loved to talk. Thankfully, Compound Interest didn't mind.

"Other farmers farm to live. The Apples live to farm." Traveler continued.

"If things go on like this, they'll end up unable to do either."

"Why did you lend to them?"

Why did he lend to them? Well, the hot blond mare that walked into his bank one year ago might have had something to do with it. The Apples were circling the drain, refusing to modernize like other farmers. He could see that clear as day now, but back then, there was something that distracted him from the numbers. Two things to be precise. She had either not noticed, or been too polite or desperate for money to call him out.

"Hard to explain."

The car stopped.

"We're here, boss."

Traveler then pulled out one of his thick geography books you could beat goats to death with and started reading. He was paid by the hour, so he'd be more than content to wait for how it took to sort this out. Interest stepped out and walked towards the farmhouse in the middle of the farm. The farm itself was in a sad state, its trees barren, its fields filled with wilted plants. He knocked on the door. The same blond mare opened. She was wearing a dirty red flannel shirt, a pair of shorts that accentuated her wide hips and of course her signature hat. This time, he swore to himself he wasn't going to make the same mistake though.

"Good afternoon." she said awkwardly.

"Good afternoon, Miss... Applejack was it?"

"Yes, just call me Applejack, Mister..."

"Compound Interest." he reminded her.

"Come in."

He stepped inside.

"I think you already know why I'm here." he opened.

"Want somethin' to drink? Some cider? This year's crop has failed but there's some from last year."

"I didn't come to drink, Miss Applejack."

He was purposefully avoiding getting too familiar with her.

"Who's this?" deep voice grumbled.

Compound Interest looked up. He had heard that his name sake was the powerful force in the universe, but the tall, wide red stallion made him doubt that saying. The giant before him could snap his delicate little unicorn spine and not even break a sweat, and he wouldn't be happy once it was explained to him why Compound was there.

"Mister Compound Interest, this is my brother, Big Macintosh. Big Mac, this is Mister Compound Interest, the banker."

Just because this Big Mac could snap his spine in half doesn't mean he would. They weren't animals, after all.

"Charmed." Compound greeted him, after calming himself down a bit.

Big Mac just grunted.

"Right, you behave yourself, Big Mac. Ah'll go get our guest somethin' to drink."

She then darted out of the room. Big Macintosh stared angrily for a while at Compound without saying anything.

"You here for the failed payments?" he grumbled.

"I am"

"Ah would leave if Ah were you." he said grimly.

"Don't make empty threats. Both of us know that beating me up will only make things worse for you and your family."

"Who's this?" an elderly voice asked, unaware of the exchange they just had.

"Granny, this is Compound Interest, the banker." Big Mac grumbled, pretending as well as he could that nothing had happened.

"Well, hello, young fellow." she started shaking his hand "welcome to our farm."

Clearly she was unaware of the financial situation her family was in.

"Sorry for the mess outside. We had a fungal infection and my old trick with baking soda only made things worse."

"Why didn't you use fungicides?" Compound asked.

"Fungi...what?"

That explained and confirmed so much.

"Ah see you've met my family. Here's the drink Ah promised."

She just left the cup on the counter next to the couch. Interest didn't touch it. He wasn't dumb enough to get drunk right now. She then took her brother aside.

"Big Mac, take granny and go to the town to do somethin'. Let me handle this. She doesn't know and you're not exactly the best talker."

He grunted affirmatively.

"Come, granny, we're goin' for a walk."

Applejack looked at Compound and put on a smile then looked down.

"Ah'm sorry. Ah wasn't expectin' you. Let me go and change."

She disappeared again. Interest was left sitting annoyed on the couch, tapping with his fingers on the counter.

"Are you goin' to take our farm?" a young voice asked.

Compound Interest at this point was getting really tired of being approached by people out of his field of view. He looked at the voice's source. A red haired little girl with a ridiculously large bow on her head had snuck into the room. She was clearly upset.

"Perhaps." he confessed honestly.

He never believed in sheltering kids from the real world. It only made things worse once the illusions shattered.

"Ah've lived here whole my life. This has been our home for so lon'!" she said, almost crying.

If he relented every time foreclosing caused a sob story, he'd be in the streets himself. He instead decided to impart some wisdom on her.

"Let me tell you a secret, kid. Nothing is certain. Nothing lasts forever. You get confronted with these facts on a daily basis in my line of work, but they apply to everyone."

"Ah,... Ah know. On what does us keepin' our home depend?"

"On how good your... she's your big sister right?"

"Yeah."

"...your big sister is at negotiating."

Said big sister returned. She was wearing blue flannel this time and her shirt was cropped. Compound had his suspicions if the stains weren't the only reasons for the sudden clothes change.

"Do your best, Applejack." the little girl said in a sad tone.

"Okay, go play with your friends, Applebloom. Ah'll be busy."

She then sat besides Compound. He waited until the girl walked out of the room.

"Is this the only shirt you had?"

"Ah... Ah was warm."

"It's Fall."

"Ah..."

"Listen, you're the element of honesty right? I've read about you in the paper. If you want to stand a chance of keeping your home, you better live up to your element and play open card with me."

Interest himself was being dishonest here. He just had realized he couldn't foreclose on an Equestrian hero. Not without risking a bank run from upset customers. He didn't have her as badly against the wall as he pretended to.

"Ah, ah... swear I'm not that kind of girl. Ah just can't lose the farm. Ah don't my family to be on the street. I'll do anythin'."

Perhaps breaking a promise he made himself wouldn't be that bad.

Negotiations

"Anything? Those are bold words, Applejack."

She started unbuttoning her shirt.

"You do know it's going to take more than one day or night of fun to get what you want from me? Farms don't come cheap. Ten seems more fair."

She exposed herself to Compound Interest. Her double Ds were just as perky you'd expect from a mare her age.

"Ah can't say no can Ah? You're one fierce negotiator, Ah'll give you that."

"I wouldn't survive in my line of work if I wasn't."

Without warning he grabbed her neck and playfully started applying pressure. She looked back in shock.

"Did I tell you to stop, Miss Willing-to-do-anything?"

Applejack started unbuttoning her shorts. She then slit them down. She was wearing black lace panties. Compound Interest didn't move his hand and didn't stop squeezing.

"Put those on because you were warm as well?" he mocked.

She didn't respond.

"I appreciate the sentiment, but they're just going to get in the way."

After a moment's hesitation she slit them down as well to reveal a well kept landing strip. Compound Interest let go of her neck. She coughed a bit and then finished getting naked, apart from her boots. He was kind of disappointed when she took off her hat. He himself was still in his business suit.

"Dance for me."

"Really?"

"Yes, really."

Applejack started tap dancing. She looked ridiculous, her tits bouncing around with every move, but that only made Compound enjoy it more. He liked it when mares humiliated themselves for him. He sipped the cider that had been sitting next to him.

"Impressive. Let's see how good your lips are."

She got closer to him and kissed him with surprising passion. Interest didn't ask for that, but enjoyed it more than he expected.

"How romantic of you. But I was thinking of something else."

"Of course you were." she sighed.

Applejack unzipped his pants and clumsily started playing with his member with her hands.

"What, afraid of getting dirty, farmgirl?"

"Ah'm goin' to bite you if you keep this up."

"No, you won't, you'll be a good girl and give the best blowjob you've ever given to save your precious farm."

She started licking his tip, and kept doing this until he got bored of her teasing. Just as he was about to protest he was cut short.

"Spare me your clever remark, Compound."

Applejack then popped his dick into her mouth and started sucking. The expensive Canterlot call girls he had visited sucked harder, but there was something very appealing about a desperate innocent farmer pleasuring him instead. He closed his eyes and enjoyed the feeling.

"You're pretty good at this."

He was damning her with faint praise, implying that she was a slut. When he looked down, she was looking angrily, well aware of what he implied, but she was too busy to protest. He petted her cute broody head.

"Ever done it in a barn?"

Applejack stopped sucking.

"You Canterlot folk just love to make up stuff about us farmers, don't you? We're inbred, oversexed, dumb and Celestia knows what." she scolded him, naked between his legs.

"I suppose we are a bit stuck up." he admitted.

"No, Ah have not done it in our barn. Why would Ah when Ah have a perfectly good bed?"

"Because the stallion would find it exiting."

"Come with me" she answered, clearly aware of what he implied.

Compound got up without bothering to pull hit zip back up. They were quite the sight while walking to said barn. It would have been hard to explain for Applejack if anybody had seen her completely naked, followed by a stallion in a well tailored business suit and with an erection.

"Here were. Ah still don't get why you'd want to do this here."

Compound Interest honestly didn't knew either, but he was going to enjoy this. He grabbed some rope.

"Ah ain't running away, if you haven't noticed by now."

"That's not the reason why I'll be tying you up. Place your hands against that post."

Applejack obliged. He skillfully tied them together and took a moment to admire his handy work. Then he spotted a whip close by, a nasty piece of work used to keep cattle in line. Usually the call girls charged a lot extra to allow him to hurt them, but he was willing to guess this girl was willing to give him premium service at no extra cost.

"Still just as bold?" he asked while picking up the whip, intentionally clearly in her view.

Applejack sighed.

"Give me the best you've got, you pervert." she said, determined.

Interest wasn't going to deny her. The whip cracked in the air and a nasty red welt appeared on her behind. Applejack stubbornly bit her lip and didn't let out a sound.

"You can scream if you want."

"Ah don't want to though."

"Feel free to if you change your mind." and started mercilessly assaulting her.

Welt after welt appeared on Applejack, but she really didn't want to scream. Well, she did, but she too proud and stubborn to do so. But pride and stubbornness could only take her so far. She couldn't stop her eyes from tearing up, or from getting dripping wet.

"You liked that, didn't you? Who's the pervert now?" he said while shoving two fingers in her.

"Spare me the clever retort, Applejack." he cut her off because she could say anything.

Compound removed his fingers and slit in his dick. While fucking her he made sure to cruelly slap himself against the skin he had just damaged and pull her long, tied together blond hair.

"Go ahead. Moan. I know you want to. You can't fool me that you aren't enjoying this just as much as me."

He was right. Applejack had always been a good girl. Always being tame, always going after stallions because they could make a good addition to the farm instead of pursuing her passion. Only now that she have an excuse did she let anyone (ab)use her like she had always wanted. She swallowed her pride, just for a bit and obliged. A delightful sound filled the barn. As a reward Compound reached for her clit and started playing with it. Partly because he actually was getting a bit fond of this stubborn mare, partly because making her come while she was supposedly doing him a favor would fill him with smug satisfaction.

"You on birth control?"

"Can only.... last that... lon', huh?" she sneered in an attempt to regain some of that Apple pride.

"Is that disappointment I heard because I might stop fucking you? No, just thinking ahead."

"Yes, yes Ah am."

Compound's stamina wasn't amazing, but he wasn't planning to stop until at least he had given her that orgasm that he could rub in her face. He bit his lip, thought about unsexy things like paying his taxes and kept going. He was relieved to feel her contrasting around him and hear her moans intensify. He let go and shot deep inside her. Both of them took a moment to come to their senses. Just as he was about to untie her, a familiar deep voice grumbled.

"Ah'm goin' to break your neck for touching my sister!"

The Deal

Compound Interest's life flashed before his eyes as Big Mac got closer to him. This wasn't going to end well.

"Negotiating, huh, Applejack?" he said in a disappointed tone to his tied up, naked sister.

"Oh, we were done with that long ago. We decided to have some fun afterwards." Compound Interest lied like his life depended on it.

Big Macintosh grabbed him by his tie and started pulling, lifting him up by it.

"Stop, Big Mac!" Applejack pleaded, unable to really see what was going on.

"And we... had such a... great deal..." Compound Interest choked out.

Big Mac threw Interest to the floor. He coughed and got up.

"Where's this deal?" Big Mac asked.

"We haven't put pen to paper yet."

Big Macintosh lifted his fist to punch him.

"Stop!" Interest said with all the authority he could muster.

It was enough for Big Mac for just a moment.

"If you punch me the deal is off and the Apple farm is done for."

Big Mac lowered his hand.

"Look, I'm sorry you had to see your sister like this but you know that nothing good can come from hurting me. I'll forgive you for pulling my tie but you have to control your temper."

Big Macintosh just grumbled but it was clear he had heard reason. Interest got to untying Applejack.

"Ah'm sorry as well, Big Mac. Can you bring me a towel and some clothes? Ah don't want granny to see me like this." she said responded.

"Ah'll leave them outside." he answered and left doing his best to take in as little of the scene as possible.

"So, we already have a deal. Ah wasn't aware." Applejack said when her brother moved out of earshot.

"Technically we do."

"Oh, okay. Ah'll go tell Big Mac about our 10 days or nights of fun agreement. Ah'm sure he'd be happy about it."

"You got me. I lied because I didn't want your brother to murder me. I'll go confess my sins to Celestia so she can boil me alive as punishment."

Applejack laughed.

"You could instead just make things right by giving me this great deal you supposedly had."

Compound Interest thought for a moment. It was weird to do business when the client was naked and his cum was dripping out of her, but she retained a surprising amount of dignity, so he rolled with it.

"Well, your farm is going to need a capital injection to survive."

"A what?"

"Another loan. Much bigger this time, so you can buy modern equipment."

"Are you sayin' that we're bad farmers?" she said angrily.

"No, that you managed to keep this place running for this long is a testament to your skills. But would I be here if there wasn't something wrong."

"We just got unlucky, that's all."

"Two times in a row? The element of honesty isn't supposed to lie."

Applejack just sighed. For some reason Compound Interest felt sorry for her wounded pride despite purposefully humiliating her just before.

"I've seen pride ruin ponies before. You couldn't believe how many Canterlot unicorns have bankrupted themselves because they tried to keep up with the lifestyle there. It'd be a shame if it ruined your family."

"Ah suppose you're right. What else is in this great deal?"

"You'll be paying every bit back from the previous loan, plus interest plus interest on the interest." he said sternly.

"Ah would have expected you to say nothing less."

"And I would expect the Apples to do nothing less than pay their debts. I also get to put in a manager over this farm if need be until the loans are paid."

"WHAT?"

Applejack almost slapped him for that.

"Lower that hand of yours. You're a stubborn bunch, and your brother seems worse that you. I need a final resort if you get up to your old shenanigans. If you refuse to buy the proper equipment or your grandmother decides to salt the earth to get rid of a slug problem."

"We use beer traps for slugs. We're not idiots." she answered angrily.

"You get my point."

"Sweet Apple Acres will never be managed by a non-Apple!"

"And if the Apples prove they have more wisdom and pride, it won't be. It's a last resort. Take it or leave it."

"You really have us Apples in a vice grip, don't you?"

"Their eldest daughter wouldn't be naked besides me, with my semen dripping out of her, trying to negotiate with me if I didn't."

"Okay, Ah agree. You'll have a tougher time convincing my brother though."

Right. Applejack almost slapped Compound Interest for the manager part, so he was guessing he wouldn't enjoy what Big Mac would do to him when he heard about it.

"Do you have a notary in this town?"

"No, we rarely have to sign documents in Ponyville. If we do we go to Twilight."

Interest couldn't believe his luck. Big Macintosh would surely never dare to even touch a hair on his head in a Princess' presence.

"Tell him and your grandmother to be at her castle in an hour. I'll convince him there."

He then got up and got out of the barn. Big Mac was just getting there with the clothes and towel Applejack had requested. Compound and him both avoided eye contact. It was with relief that he got to his car and waiting chauffeur.

"Took you even longer that usual, boss." Abiding Traveler said without looking up from his book.

"A proud and stubborn bunch, just as you said."

"Should I stop reading?"

"No, I'm going to be busy." Interest said while pulling out a typewriter.

He skillfully started typing out the deal he had just negotiated. Usually he'd have his secretary do this job, but it'd be cruel to drag her along everywhere he went.

"Which chapter are you on, Abiding?"

"The one about the zebras. They're fascinating, always speaking in rhymes. I've always wanted to go visit their lands."

"Do they write their contracts in rhymes?"

"I don't know. It doesn't say. Perhaps you go and find out. Find new investment opportunities you know?"

"Right."

After this little exchange Compound Interest doubled down on his work. He finished faster than expected.

"Off to Princess Twilight's castle."

"Oh, interesting. Is the royalty in debt?"

"No, thankfully."

Legality

Compound Interest knocked at the castle door. The door opened and he was greeted by a purple dragon. If that wasn't an euphemism for something dirty, it had to become one, he thought. Compound kept those thoughts to himself, because he felt sorry for how tamed Spike looked.

"You're early as well, huh, Mister banker?"

"I am. Mind showing me where the others are?"

"In the throne room. It's right over there."

"Such a convenient layout."

Compound walked into the door Spike was pointing at. He bowed his head.

"Princess."

"Please call me..." said Princess tried to correct him.

"No need for that. I'll be out of your hair right away everything goes as planned."

He handed what he had typed to Applejack, who was sitting across a map/table combination, noticeably fidgeting in her seat for obvious reasons. She was dressed a lot more modestly, with a sweater with long sleeves and a pair of long jeans. Figures, considering this time her clothes were chosen by her possibly scarred for life brother.

"As we agreed. Feel free to read it over. All it needs is signatures."

"Mind if I sit in one of those, Princess? They kind of look special." he said pointing at the mane six thrones.

"No, not at all. And call me..."

"Thank you, Princess." he cut her off again and sat down in Rainbow Dash's seat.

Twilight sighed. Compound Interest was purposefully being obtuse. There was something that delighted him about being an asshole to a Princess.

"Big Mac, Granny Smith, you can take a seat as well."

"Thank you, sweetie." Granny Smith said before taking Rarity's seat.

Big Mac just sat down on Pinkie Pie's without saying a word. All of them waited for Applejack to read the deal to her satisfaction.

"Everythin' seems right." she said as she signed the paper.

"If Applejack thinks it's okay, then Ah think it's okay" said Granny Smith before signing it herself.

"Give it here. Ah want to read it myself." Big Mac said before taking the document.

This was the moment of truth. If anyone was going to be a stick in the mud, it was going to be Big Mac, Interest knew. But this time he had alicorn magic to back him up if things went sour.

"This isn't just an extension of the previous loan. This is another loan that's worth twice our farm." Big Macintosh said in disbelief.

"Right." Compound Interest confirmed confidently.

"Why?"

"Because I won't get a bit back if you run your farm into the ground. You need new equipment." Compound answered in a calm tone.

"No, we don't." said Big Mac offended.

"You wouldn't be here if there wasn't something wrong."

Big Macintosh grunted angrily and continued reading.

"3, 2, 1..." Compound Interest counted down silently.

"WHY YOU LITTLE..." he shouted when he read the most controversial part and got up.

"Big Mac, stop." Applejack pleaded

"This is no way to behave in front of a Princess." Interest reminded him smugly of the advantage he had this time.

It was enough to get Big Mac to sit back now.

"It's only a last resort, in case you mess things up again. I'm sure the Apples would adapt just fine if they wanted to. If you sign this deal, your farm could become the most prosperous in Equestria."

It was this time Compound Interest who got up this time. He got closer to the cornered giant.

"If you don't, well I'm sure somebody would be more than willing to buy a foreclosed farm."

He held out his hand to Big Macintosh.

"Shake my hand. You know it's the right thing to do."

Big Mac grudgingly gave him a handshake. He couldn't resist painfully squeezing Compound's hand, but Compound didn't give him the satisfaction of showing any pain. Afterwards Big Mac signed the document. Then, it was up to Twilight, or most likely her wannabe sexual euphemism of a servant to give it the proper seals to make it legally binding.

"It was great doing business with you. As promised Princess, out of your hair."

"I SAID CALL ME TWILIGHT!" the Princess shouted, but Compound Interest was already gone.