When Lu Shanmin found Lu Shuang, the answer he got was only two words.

"No money".

Not to mention 1.5 million, not even 100,000.

In order to unite people on Minsheng West Road to fight against Wang Dahu, Lu Shanmin offered twice the original salary. Later, he entered Zhigang Avenue to unite people. Even newly recruited security guards could get 5,000 yuan a month.

salary.

People like Tang Fei, Zhou Tong, Qin Feng and others even received a monthly salary of 10,000 yuan.

The four bars on Zhigang Avenue are small in scale and newly opened. After excluding costs, there is almost no profit, let alone dividends.

Now there are more than 50 security guards under him, and the average cost per person is more than 300,000 yuan per month. In addition, there are ten people in the investigation team specially established by Zhou Tong, and each of these people needs at least 30,000 yuan per month.

It costs 10,000 yuan. There are also some daily official expenses. In total, it costs at least more than 500,000 yuan a month.

As for income, the security fee for each of the seven bars is 80,000, and the total is only 560,000. Add in the Rose Bar's 30% dividend and the monthly income of 30,000 to 40,000, and the total is less than 600,000.

It sounds like a lot, but to support so many people and to deal with emergencies, this amount of money is completely insufficient.

Originally there was a bit of surplus in the past few months, but most of the surplus was given to Xiaowu's parents due to Xiaowu's last incident. Now there is not even 100,000 yuan in funds that can be mobilized in the account.

After much calculation, Lu Shanmin discovered that he was still a pauper.

One year after arriving in Donghai, even though Lu Shanmin lived frugally and never spent money recklessly, the word "lack of money" always accompanied him. This was a place where nothing could be done if money was lacking.

The bar owner will come to sign the contract next Wednesday, but now he can't even get the change together.

Lu Shanmin did a lot of things for the first time after arriving in Donghai, such as taking a train for the first time, taking a car for the first time, riding a Lamborghini for the first time, eating Western food for the first time, wearing clothes worth tens of thousands of yuan for the first time.

Sitting in a university classroom for the first time and so on.

Now, he did something that he did for the first time. He took the initiative to invite someone to dinner for the first time, or it was the first time he asked someone to do something for him.

Jiang Yan looks very elegant when eating Western food.

A woman in her thirties has lost the innocence of a girl, but she has not lost her beauty. She has a rare sense of calmness and confidence in her movements.

This is the first time Lu Shanmin has come into contact with such a mature, elegant and confident woman like Jiang Yan.

"I didn't expect you to come to me so soon." Jiang Yan opened her red lips and chewed the steak that had just been put into her mouth.

Lu Shanmin smiled faintly and said, "You seem to know that I will come back to find you."

Jiang Yan wiped the corners of her mouth gracefully, "I have worked in the banking system for so many years, and the number of businessmen I have come into contact with range from one thousand to eight hundred. A young person dares to open four stores on Zhigang Avenue and also teaches himself economics.

Xue is by no means a person who is content with the status quo."

He said with a playful smile, "I like this kind of man."

Her teasing made Lu Shanmin a little uncomfortable. When such a woman teases a man, it's like a middle-aged greasy man teasing an eighteen-year-old girl, without a blushing face or a beating heart.

Seeing the slight embarrassment on Lu Shanmin's face, Jiang Yan suddenly felt very interesting. The men she usually interacted with saw her like a wolf seeing a little sheep. Those middle-aged and old men would only have excitement in their eyes when they heard such teasing. It had been a long time since she had seen her.

Seeing a man with such clean eyes, or in her opinion, he was still a boy.

"Actually, the most important reason why I pay attention to you is because you are a handsome boy."

Jiang Yan spoke calmly, as if she was talking about a piece of clothing she liked, or a pair of beautiful high heels.

Lu Shanmin had never had any experience dealing with such a mature woman, and he didn't quite understand whether what she said was true or false, and what she meant.

Lu Shanmin coughed lightly, hiding the embarrassment on his face very well. Of course, this was just what he thought. In Jiang Yan's view, this kind of concealment actually made her laugh.

Lu Shanmin ignored her laughter and said calmly: "Ms. Jiang, I asked you out today because I want to inquire about the loan."

Jiang Yan was not surprised at all and cut the steak on the plate slowly.

“How much do you want to borrow?”

Lu Shanmin was a little surprised. He thought that the other party would ask him what he was doing with the loan, but he didn't expect that she would be so direct.

"One and a half million".

Seeing that Jiang Yan was still cutting the steak elegantly without saying anything, Lu Shanmin continued: "I own 30% of the shares in four bars on Zhigang Avenue, and I use this part of the shares as collateral."

Jiang Yan raised her head and smiled brightly, "Why don't you go to your shareholders to raise money?"

"Because I want to develop my own industry," Lu Shanmin said without hesitation.

"You want to annex the bar on Zhigang Avenue"?

"right".

Jiang Yan opened her big eyes and looked at Lu Shanmin with interest.

"Although I don't understand the bar industry, I know that any industry merger is full of gunpowder. When you first come here, you are not afraid of local snakes eating you."?

Lu Shanmin met Jiang Yan's gaze and said, "That's my business."

Jiang Yan put down her knife and fork and placed her hands on the dining table, highlighting her plump figure even more.

"Three million".

Lu Shanmin couldn't believe his ears and looked at Jiang Yan in surprise. He didn't expect Jiang Yan to agree immediately, and it was still three million.

"I can't ask for so much."

Jiang Yan smiled charmingly, "Didn't you study economics?"

Lu Shanmin nodded.

"Then you should know a lot of entrepreneurial stories about entrepreneurs?"

Lu Shanmin nodded again.

"It is very simple for an entrepreneur to succeed. First make something, and then use the thing to get loans or financing. When you earn a certain amount of assets, you can then use these assets to make loans or financing again, and so on. As long as you can get loans, then

The more loans, the better. Nowadays, for many well-known large companies, the assets and liabilities of any one of them exceed 50%, or even reach 80 or 90%."

Lu Shanmin frowned, "But..."

"But I'm afraid of debt?" Jiang Yan chuckled.

Jiang Yan said with a smile on her face, "There is a big gap between what is written in the book and reality. The boss in this world is the one who owes money. As long as you can borrow money, that's your ability."

After a pause, Jiang Yan stared at Lu Shanmin with a half-smile, "As a businessman, the greatest ability is not how well you can do things. It's your employees' business to do things well. It's about whether you can do things well.

Can I borrow money, can I keep borrowing money, can I borrow more and more money?"

Lu Shanmin frowned and introduced many entrepreneurs in "Thirty Years of Turbulence". Indeed, as Jiang Yan said, most enterprises rely on loans and financing.

But he is a traditional Chinese person, and traditional Chinese people have one characteristic: they don’t like to borrow money.

Borrowing money is a shameful thing in the eyes of most Chinese people, and being in debt is a huge psychological pressure.

Lu Shanmin was particularly afraid of this kind of pressure. He originally owed Chen Ran 50,000 yuan, and what he thought about most every day was to pay back the money as soon as possible.

So when he first watched "Thirty Years of Stirring", he mainly focused on how entrepreneurs started their businesses, how they made decisions, and their legendary stories, including their loans and financing, and he subconsciously ignored the past.

Jiang Yan looked at Lu Shanmin with interest and said jokingly:

"What? After reading so many economics books, the consciousness of small farmers has not changed yet."

Lu Shanmin was silent for a long time.

"What you mean is that after I use the money to acquire several bars, I can then use these bars as mortgage loans to carry out mergers again, and the cycle continues."

Jiang Yan laughed and said, "You are very smart. You use the bank's money to expand and seize the market."

Lu Shanmin frowned, "If the capital chain is broken and the bank loan cannot be repaid, wouldn't it be completely impossible to turn around?"

Jiang Yan laughed and said casually: "Yes, otherwise why would there be so many bosses jumping off the building? Shopping malls are like battlefields. This sentence is not a metaphor, but a true portrayal. Do you think it is easy to be a big boss?

”.

Jiang Yan looked at Lu Shanmin with a smile. His facial features were clear-cut, and there was a young man's heroic spirit between his brows. His brows were slightly wrinkled, and he had a maturity that did not match his age. His eyes were very bright, like a man going down the mountain.

Tigers are full of bravery.

"Okay, three million, how long will it take to get a loan?"

A smile appeared at the corner of Jiang Yan's mouth. She could see that Lu Shanmin was not a reckless person. As the saying goes, nature is easy to change but hard to change. A mountain man who has only been in the East China Sea for a year and has more than 20 years of small-scale farmer consciousness is facing the head-on challenge.

The business awareness challenge that came to her made her a little impressed by how quickly and decisively she could make a choice.

"Decided? This is a road of no return. If you win, I don't need to say much. If you lose, your reputation will be ruined and you will die."

Lu Shanmin's eyes were firm and he said calmly: "I have nothing to begin with. I can't let her fight alone in the front. All men in the mountains understand this."

Jiang Yan raised her eyebrows, "her"?

"A friend of mine".

Jiang Yan smiled, but there was a hint of unnoticeable bitterness in her smile.

"She is lucky to have you as a friend."

Jiang Yan looked at her watch, "Three days, bring relevant materials to Donghai Development Bank tomorrow and report my name."

After saying that, Jiang Yan smiled brightly at Lu Shanmin and said, "Little brother, I have something else to do tonight, so my sister won't accompany you. Thank you for the dinner."

After walking out of Wanhui Center, Jiang Yan's words could not calm down in her heart for a long time. "Can I borrow money? Can I borrow money all the time? Can I borrow more money?"
To be continued...