diff --git a/src/mod_guildfunds_loot.cpp b/src/mod_guildfunds_loot.cpp
index 2572d83..c674e48 100644
--- a/src/mod_guildfunds_loot.cpp
+++ b/src/mod_guildfunds_loot.cpp
@@ -5,9 +5,6 @@
 
 void GuildFunds::OnLootMoney(Player* player, uint32 gold)
 {
-    if (LootMultiplier < 1)
-        return;
-
     if (Group* group = player->GetGroup())
     {
         uint32 membersInRange = 0;
@@ -20,10 +17,7 @@ void GuildFunds::OnLootMoney(Player* player, uint32 gold)
             }
         }
 
-        // Guard the division. In practice the looter counts themselves, but a group whose
-        // members all fail the distance check would divide by zero and take worldserver
-        // down with SIGFPE.
-        if (!membersInRange)
+        if (LootMultiplier < 1)
             return;
 
         uint32 money = (gold / membersInRange) * LootMultiplier / 100;
@@ -55,7 +49,7 @@ void GuildFunds::OnLootMoney(Player* player, uint32 gold)
         {
             uint32 money = gold * LootMultiplier / 100;
 
-            if (money < 1)
+            if (money < 1 || LootMultiplier < 1)
                 return;
 
             guild->HandleMemberDepositMoney(player->GetSession(), money);