Star Tycoon

Chapter 108 Loan
With the arrival of October, the weather is starting to cool down.

The harvest season for yellow peaches has completely ended, and the season has officially entered the storage phase.

Roasted seeds and nuts such as sunflower seeds have begun to appear on the market in large quantities, and their prices have dropped significantly.

Cotton from various regions entered factories and was processed into cotton thread.

Besides live streaming, Tian Ersan spends his days exercising, studying, and handling business.

Lu Huran, a bank manager from Shanghai, came to act as a mediator.

"Mr. Tian, ​​are you really not considering moving your business to Shanghai? The city has plenty of industrial support, especially in terms of express delivery, logistics, and raw materials. Tax and factory guarantees will also be provided."

Lü Huran tried her best to persuade Tian Ersan to complete the company relocation.

Tian Ersan sat in the boss's chair, his face calm, showing no interest in the pretty young lady in the bank uniform in front of him.

He would neither sympathize with her nor think of humiliating her.

"I'm not considering it. I have a clear plan for my future, and I won't be leaving here for at least the next year or two."

Tian Ersan explicitly refused, but did not completely refuse.

Lü Huran stood in front of Tian Ersan's desk, leaning over and looking at him with her hands on the desk.

Her body was seductive, but her expression was serious.

"What exactly is wrong? Mr. Tian, ​​what do you think needs further discussion? Many of Mr. Tian's clients are concentrated in the six southeastern provinces. If you develop in Shanghai, the geographical advantages will be more obvious, and various costs will also decrease significantly."

The close proximity allowed Tian Ersan to smell the patchouli in the base notes of the other person's perfume, as well as the bitter orange scent emanating from their hair.

Tian Ersan closed his eyes and recalled the meaningless days he spent in the office of a large corporation with those female finance professionals in his previous life.

Tian Ersan calmly opened his eyes, a hint of mockery in them.

"You'll know whether you're suited to giving advice once you start your own business. Don't always take other people's money and future for granted."

Tian Ersan's bluntness put Lü Huran, who was just a bank employee manager, in an awkward position.

Lü Huran tried to explain, "President Tian has misunderstood. I just wanted to pave a road for him to a more international and prosperous future."

Tian Ersan calmly said, "Every step I take is carefully considered, not driven by immediate interests. I consider at least ten years of development before I do anything."

"I don't think now is the time to go to Shanghai, so I won't go."

Seeing that she couldn't persuade Tian Ersan, Lü Huran said helplessly, "Can you tell me the reason for your refusal? If there's anything that can be resolved, I'd be happy to help, such as with household registration, housing, or schooling."

Tian Ersan said with a smile, "I have no need for household registration, I have my own housing, and I don't care about schooling at all, or rather, I don't want to go to school and be managed by others."

"There are too many people in Shanghai, and too many people who set up scams to cheat people, whether they are men or women. My requirement for myself is not to pursue those exciting things."

"Gambling, drugs, bottomless sexual issues, meaningless luxury goods, so-called brands and fashion trends."

“I have learned about many people’s affairs and I am also aware of the various poison traps hidden behind honey.”

"Modu is not bad, it's too good, it's not suitable for a country person like me."

What Tian Ersan said was only part of the story.

The biggest reason is still the household registration issue.

It's not just about their own household registration; it's about Li Cuihua, Li Chuhong, and many others in the future.

A few illiterate people in a small county town won't make a difference, but it's a bit suspicious to see a dozen or so detached households with no schooling suddenly appear in Shanghai.

When Lü Huran heard Tian Ersan say this, she wanted to argue that Tian Ersan was overthinking things.

But looking into Tian Ersan's calm eyes, he suddenly couldn't find the words to defend himself.

"Sit down, let's talk about something else."

Tian Ersan gestured for Lü Huran to sit down; he no longer wanted to smell the odor that radiated two or three meters away.

Lü Huran retreated to the middle of the office and sat down on a nearby chair.

Only then did Tian Ersan begin to get down to business.

“I need my money for real estate development projects and industrial upgrading. I’ve calculated that I’m still short of funds.”

Lü Huran unconsciously revealed an expression of anticipation and admiration.

"Does Mr. Tian mean he wants a loan?"

Tian Ersan nodded.

Lü Huran smiled, "Mr. Tian has the ability to make money; our bank would love for him to lend more money!"

Tian Ersan said, "I have invited a construction company from Beijing that specializes in developing mid-range housing to come here. They will be responsible for developing that area in the county."

“That land now belongs to our company. In the future, part of it will be used for commercial purposes, part for employee housing, and part for building schools, hospitals, factories, and warehouses.” Lü Huran asked, “Aren’t there any construction teams or building companies in this county?”

Tian Ersan chuckled self-deprecatingly.

"I don't trust the county government. I plan to live in the house myself, and I also plan to keep the shopping mall open for a few more years."

Lü Huran understood this perfectly and asked elegantly, "How much more loan would Mr. Tian like? Our bank offers Mr. Tian a special preferential loan amount, up to 500 million!"

Tian Ersan said, "I currently have no assets to guarantee my assets. The company here was all given to me by the county, and the factory is still under construction. The only thing I can use as collateral is probably the land I bought for tens of millions of yuan. Can I get a loan of 500 million yuan from that?"

Lu Huran smiled and nodded, "The shares of Lighthouse Country Technology that President Tian bought a few days ago have appreciated by two percent. Our group trusts President Tian's investment acumen. We can get a loan just for those shares worth more than 300 million, not to mention the land that President Tian bought."

Tian Ersan explained, "I took out a loan because I needed money to buy land."

“Our area is a poverty-stricken county. The place I used to live was a sparsely populated suburban area. It was surrounded by farmland and roads, and there were no commercial areas or schools.”

“I bought a place that was previously inhabited, about 30 acres, at 600,000 yuan per acre, which is 20 million yuan.”

“I plan to buy another 60 mu of land outside the county to make it 100 mu. 100 mu of land would cost 60 million. Add to that the construction and development, and the estimated cost is over 100 million. So I’ll take out a loan of 100 million first, and we’ll see what happens if needed.”

Lü Huran nodded, "No problem!"

One hundred million is a large number for many people, but for Tian Ersan it is just a small goal.

"Why doesn't Mr. Tian take out a loan? That would help him manage his cash flow."

Tian Ersan smiled and shook his head.

"No need, I'll be back by the end of the year. Let's take out a six-month loan, calculated on an equal principal and interest basis."

Lü Huran looked troubled.

"Mr. Tian, ​​our bank prefers interest-only loans with principal repayment later for short-term loans, which makes things a bit difficult."

Tian Ersan smiled and said, "It's alright. Many rural banks in our county are willing to help. I just want to cooperate with a big bank for a safer option."

"Moreover, the county is not in a hurry to get the land sales revenue all at once, and I can also borrow 100 million yuan from several partner companies."

"They still have that much face."

Tian Ersan smiled as he looked at Lü Huran.

It was Lü Huran and the bank behind her who were asking for loans, not Tian Ersan.

Tian Ersan is not short of money, and has at least tens of millions of net profits every month. With a little effort, he can earn tens of millions a day and over a hundred million in a few days.

Banks need such big spenders to take care of all their business, whether it's loans or deposits.

Another point is that Tian Ersan pays salaries to thousands of people, all of whom use the same salary card. After their salaries are deposited, they are all saved in small amounts without considering investment or fixed deposits, resulting in very low interest rates.

For banks, this is a valuable resource. They can use this money to invest and lend, or they can develop these salary card users to apply for credit cards.

If Tian Ersan wasn't capable, he would be the one begging the bank.

Now that Tian Ersan is capable and controls thousands of funds of various sizes, it's natural that Lü Huran is begging Tian Ersan for help.

Lu Huran gave her a scared look and said charmingly, "Okay, I'll promise President Tian on behalf of the company. I'll figure something out when I get back. I'll run errands, after all, I'm here to beg President Tian for a job~"

A loan of 100 million yuan over six months, including handling fees and guarantee fees, would incur more than 2 million yuan in interest.

That is, Tian Er's profit in two or three days.

Tian Ersan sat in the boss's chair, rocking back and forth with a smile.

"The weather is getting colder recently, and many people have switched from short sleeves to long sleeves. My clothing business will be better during this period. In addition, since colds are more common in autumn, the sales of canned yellow peaches will rebound. I estimate that I can earn 100 million yuan by the end of the year."

Lu Huran has met many billionaires, but none of them made money so easily, earning millions a day as effortlessly as drinking water.

You can earn five or six years' worth of salary just by sitting there all day!

Lu Huran tried to calm herself down, her eyes shining as she looked at Tian Ersan.

"Mr. Tian, ​​we need some of your company's business documents and certificates for the loan."

Tian Ersan looked at Li Chuhong, who was sitting in the fourth seat in the office.

"Chu Hong, you and Miss Lü go to find the accountant together. Go with them and see what documents are needed. Familiarize yourself with these procedures in the future."

Li Chuhong stood up. "Okay!"

Lu Huran looked at the smiling, enthusiastic girl. This young woman, who looked like a country girl, was already Tian Ersan's secretary.

Despite being an illiterate country girl with only a primary school education, she was able to become an office secretary.

They must have slept over!

(End of this chapter)