diff --git a/gamedir/Data-1.13/Ja2_Options.INI b/gamedir/Data-1.13/Ja2_Options.INI
index c4f3e6646..8805f4b52 100644
--- a/gamedir/Data-1.13/Ja2_Options.INI
+++ b/gamedir/Data-1.13/Ja2_Options.INI
@@ -336,6 +336,13 @@ RECRUITABLE_JOHN_KULBA_DELAY = 14
 
 RECRUITABLE_JA1_NATIVES = TRUE
 
+;------------------------------------------------------------------------------------------------------------------------------
+; If outstanding debt to MERC exceeds this, Speck will complain on the website.
+; Note: this does NOT affect wether MERC goes bankrupt, as this is independent of the amount of debt
+;------------------------------------------------------------------------------------------------------------------------------
+
+MERC_BANKRUPT_WARNING = 5000
+
 ;------------------------------------------------------------------------------------------------------------------------------
 ; Early Recruitment of Rebels - This enables recruiting Rebels earlier without the need to alter their .npc files.
 ; Valid values are from 1 to 3 where: