Du Qingqing got up and happened to meet Zhang Shuo running back in the morning, carrying breakfast in his hand.
"No, I brought it for you."
Zhang Shuo put breakfast on the table and turned to take a shower.
After living a new life, Zhang Shuo became more cherished for his life, knowing that every unscrupulous consumption of his body when he was young would come back when he gets older.
Don’t smoke, don’t stay up late,
After moving to Tianfu Community, I started running every morning to exercise.
"This guy...I stayed up half the night, and he still had time for a morning run? How annoying." Du Qingqing grabbed the big steaming meat bun and took a bite, filling up his resentment level.
After taking a shower, Zhang Shuo went out.
Today he made an appointment with someone from Shenghua Financial Services Group to discuss bridge loans. The latter is a financial services company whose main business is guarantees.
It was introduced by Accountant Chen.
When it came to specific negotiations, Zhang Shuo did not bring Accountant Chen with him, but was prepared to come in person. After all, Accountant Chen was not his employee and there was no reason for anyone to work overtime on weekends.
Zhang Shuo himself also wanted to gain more experience.
The meeting place for negotiation is at Shenghua Financial Services Company, which is also in the Lubei area, just two bus stops away.
"Mr. Zhang, welcome!"
Waiting for Zhang Shuo at the door is Sun Tingmao, the business manager of Shenghua Financial Services Group. He is in his early thirties and very dedicated. He still wears a neat suit and polished leather shoes even on weekends.
At first glance, it looks like he sells insurance...
"Is such that,"
Sitting down in the reception room, Sun Tingmao poured a glass of water for Zhang Shuo and began to introduce, "Our company only provides bridge loans from one month to half a year. If it is less than one month, it will be calculated as one month."
"What about interest, how to calculate it?" Zhang Shuo asked.
"Depending on the loan amount and time, the monthly interest is calculated at 2%-4%." Sun Tingmao was not secretive.
These are all open and transparent.
Converted to an annual interest rate, it is about 24%-48%, which is very scary.
"Okay, I want a loan of 500,000 yuan with a term of one month."
"500,000,"
Sun Tingmao's eyes lit up slightly, "Well, Mr. Zhang, what do you want to use as a mortgage guarantee?"
Any formal financial company,
No one dares to do unsecured, zero-threshold loans, even bridge loans.
"Take this,"
Zhang Shuo took out the equity document prepared in advance and introduced Qingcheng's retail operations.
"Let me see."
Sun Tingmao took it with a smile, but his expression became weaker and weaker, and he said awkwardly: "Mr. Zhang, although you are also a company, it is essentially a convenience store. The store is also leased and cannot be counted as a fixed asset."
Although Zhang Shuo just spent 500,000 yuan to acquire 55% of the shares of Qingcheng Retail not long ago. It seems that the value of Qingcheng Retail is close to 1 million, but who knows if there is anything fishy in it?
There are so many ways to play.
Zhang Shuo knew that things would not go smoothly. It was too difficult for small and micro enterprises to get loans, so he had no choice but to make money.
"I can give you 4% interest."
If you borrow 500,000 for one month, that’s 20,000 in interest.
It's just like picking up money.
"this……"
Sun Tingmao was a little tempted. If he could negotiate 4% interest, he could get at least 5,000 yuan in commission, but he still didn't dare to accept it easily. He asked tentatively: "Does Mr. Zhang have any other mortgages?"
"only this,"
Zhang Shuo continued to add, "If you are still worried, your company can put this fund under bank supervision and stipulate that it can only be injected into Qingcheng Retail, otherwise the bank can freeze it at any time."
"This works!"
Sun Tingmao's little eyes immediately lit up. With this operation, there was basically no risk.
"Then, that's it?"
"No problem. Let's sign a letter of intent for cooperation first. After our company has verified the business conditions of Qingcheng Retail, we can formally sign the contract and issue the loan." Sun Tingmao is very professional.
After signing the letter of intent,
He also handed Zhang Shuo a business card and said enthusiastically: "If Mr. Zhang needs anything, please come to me at any time!"
"must!"
Zhang Shuo smiled and accepted the business card, which was considered a personal connection.
…………
Shenghua Financial Services Group is very professional.
It will be reviewed on Monday, and Zhang Shuo will be notified on Wednesday to sign the formal contract.
Friday,
That is, on June 4, the bridge loan of 500,000 yuan was transferred to the Sprout Capital account.
that day,
Zhang Shuo asked Accountant Chen to transfer the money to Qingcheng Retail, and then signed a new equity allocation letter with Du Qingqing.
Done!
Du Qingqing was very cautious and only formally signed a contract with the decoration company after the funds were received.
I still don’t fully trust Zhang Shuo.
Zhang Shuo didn't pay attention to Du Qingqing's little thoughts. He was preparing to taste the greater fruits of victory.
"Ding, the entrepreneurial level has been upgraded to level 2, and the reward talent card - Insight!"
Another infusion of mysterious power,
Zhang Shuo felt as if he had been baptized from the inside out.
Insightful quality, in addition to being able to observe words and emotions and gain an advantage in business negotiations, can also see through the appearance of affairs, point directly to the essence of affairs, discover inner needs, patterns, truth, etc.
Very strong!
Zhang Shuo couldn't wait to open the panel to check other changes.
【Host】: Zhang Shuo
[Talent]: Concentration lv1, Insight lv1
[Level]: Level 2 (5/300)
[Support Fund]: 5,000 yuan/day
【Cash】: 1.065 million
[Loan]: 500,000 (bridge loan)
[Companies under the name]: Sprout Capital (100% holding), Qingcheng Retail (68.5% shareholding)
The support fund has increased from 1,000 yuan to 5,000 yuan per day, which is a five-fold increase.
Cool!!!
"Well, doesn't this mean that one day's turnover of Germination Capital is enough to pay my salary?"
Suddenly I feel a little sad...
Upgrading to level 2 will reward you with 1 million entrepreneurial capital. Correspondingly, your upgrade experience will also increase to 300 points.
Want to upgrade to level 3,
There is still a shortfall of 2 million, oh no, a funding gap of 2.5 million.
It’s difficult!!!
Zhang Shuo, who awakened his insight talent, even realized that 500,000 entrepreneurial funds accounted for half of the experience value at level 1, but 1 million entrepreneurial funds at level 2 only accounted for one-third of the experience value.
"It's more difficult to upgrade."
As for the extra 5 experience points, it is the 50,000 yuan expenditure incurred in reimbursement, rent payment, bridge loan interest payment, etc., which can only be regarded as a drop in the bucket.
2.5 million funding gap,
It takes 500 days to accumulate support funds alone, which makes the cycle even longer.
"You still have to use other people's money to upgrade yourself."
Tasted the sweetness,
Zhang Shuo didn't want to take his time and still wanted to take shortcuts.
How can I get a 2.5 million loan?
Simply contacting Shenghua Financial Services would definitely not work. Although after the repayment, the two parties had a successful cooperation and established a little trust.
But business is business.
Shenghua Financial Services may dare to lend another 500,000 yuan, or even 1 million yuan, but it will never dare to lend 2.5 million yuan.
Unless you're crazy!
"Then we can only go to the bank." Zhang Shuo slowly cleared his mind.
If you want to get a loan from a bank, the easiest and most feasible way is to buy a house. The real estate market in Pengcheng is currently on the cold side. As long as you can afford the down payment, banks are still happy to lend.
It is not possible to specify when buying a house.
The system won't allow him to invest in real estate, so isn't that really a false act of public benefit?
Then you can only buy shops.
The good thing is that after buying it, you can rent it to Qingcheng Retail to open a branch in the future.
Perfect!
The only problem is that you can only use commercial loans to purchase a shop, and the loan ratio cannot be higher than 50%.
That is to say,
If Zhang Shuo buys a shop with a total price of 3 million, he must prepare at least 1.5 million for a down payment.
"There is still a funding gap of 1 million yuan..."
After Zhang Shuo thought about it for a while, he set his sights on Shenghua Golden Clothing.
"There's something going on!"
Zhang Shuo thinks it’s totally worth giving it a try.
in addition,
What he is more curious about now is that when Sprout Capital repays the 500,000 bridge loan next Monday, will it be considered a normal expenditure and will it be able to generate experience points repeatedly?
If possible,
That not only saves 500,000, but also makes it easy to operate later.
Results prove,
Still thinking too much, after repaying the loan, the nephew will light up the lantern with experience points - as usual!
Don't give him any chance to take advantage of the situation.
Fortunately, Zhang Shuo didn't have high expectations at first. After confirmation, he took advantage of his free time after get off work to start looking for suitable shops with a market value of 3 million in the Lubei area.
It's not easy.
First, many property developers and developers only rent but do not sell properties in order to plan and operate the property in a unified manner.
Shops sold separately,
Either the price is too high, the location is poor, or the owner won't sell!
This is Pengcheng, and the Lubei area is a relatively prosperous area. There are very few shops that are closed. We can only slowly search one business district after another.
to this end,
Zhang Shuo also specifically contacted Sister Li, the agent of Centaline Real Estate, and asked her to search for him on his behalf.
They are the professionals.
…………
Tuesday, June 8th.
Zhang Shuo came home from get off work and unexpectedly found that Du Qingqing was also at home.
Whether it was because he was really busy or because he didn't want to live together with him, Du Qingqing basically stayed in the store until nine o'clock before coming back, and he really regarded it as a temporary sleeping place.
"Is something wrong?" Zhang Shuo asked.
"The Qingcheng decoration drawings are out, do you want to take a look?"
really!
"It's very efficient, let me see."
Zhang Shuo was not polite at all, he had high expectations for Qing Cheng.