Chapter 320 Convincing the Bank that the Loan Matter is a Thing
Chapter 320 Convince the bank that the loan matter is a success
Author: Pigs Flying in the Sky
Chapter 320 Convince the bank that the loan matter is a success
"Manager Lin, in fact, our cooperation this time is beneficial to both of us. I believe you can understand it!"
He Jincheng said with a smile.
"How do you say this?"
Lin Dayou was stunned for a moment, and then said with great interest.
"To be honest, in fact, our company does not need loans at all, because you have seen our turnover. We can wait two or three months to raise enough funds. But why are we so anxious to get a loan?"
He Jincheng said.
"I'm interested in that too!"
Lin Dayou nodded slightly and said.
"Because our goals are huge, our plans are huge, and the funds required are not just a mere one million, but ten million or even hundreds of millions!"
He Jincheng smiled lightly, saying this number seemed to be a matter of course.
"Haha, Mr. He is joking. Our largest company in Nandu City can't earn more than 10 million a year. You are still just a small workshop. Now you dare to say 10 million. Isn't it a little too early!"
Lin Dayou laughed.
Let alone 10 million, there are not many companies in Nandu even with 5 million.
He Jincheng is now praising Haikou. To be honest, Lin Dayou doesn't believe it at all.
"Manager Lin, I think you should know what the core competitiveness of our Qingmeng Clothing is, right?"
He Jincheng smiled lightly.
"Your styles are very novel. Even my wife has bought several pieces of clothing from your store. This should be your core competitiveness. But in my opinion, this is not an advantage. What we Chinese are best at is imitation.
I believe your styles will soon be imitated by others."
Manager Lin shook his head, "I believe it won't be long before the whole city is filled with similar styles like yours."
“Fashionable styles are one thing, but what’s more important is that we have enough creativity and innovation capabilities. Yes, other businesses can indeed imitate our products to produce and sell them, but they will always be one step slower than us. etc.
Our new products have been on the shelves for two or three months, and the bonus period has passed. By the time they imitate them again, our products have actually been updated. This is our core competitiveness."
He Jincheng said with a smile.
Lin Dayou fell silent. He was thinking about He Jincheng's words. It seemed that as he said, Qingmeng Clothing's core competitiveness was indeed not comparable to that of other businesses.
"Okay, I admit that I have been convinced by you. I really have nothing to say on this point, but what our bank needs is stable income. I want to know, what can your Qingmeng Clothing bring to our bank?"
Lin Dayou thought for a while before speaking.
"Of course it is the most direct economic profit. Our Qing Dynasty Clothing can provide you with two ways of income. The first is the direct loan interest rate. The highest interest rate we can bear is 15%. In this case, the annual income of 500,000 yuan is
Seventy-five thousand dollars."
He Jincheng said slowly.
"Second, we can regard this loan from the bank as an investment, and we can return you a point of dividend income at the end of the year. As long as our production can keep up, subsequent sales will definitely be exponential.
According to preliminary estimates, our income in the first year will reach more than 5 million. If the bank does not take back the loan, we can also return a point of dividend income in the second year. By then, it will not be 50,000 yuan.
Dividends were distributed.”
He Jincheng is very confident in the future development of Qingmeng Clothing.
As long as the supply problem is solved, selling Tianmeng Clothing's product advantages will not be a problem at all.
If the income can reach 5 million in the first year, it can at least double in the second year, or even more.
Although the bank only takes one point of dividend income, if the base is large enough, the income will still be very considerable.
"Are you so confident about your company's development prospects?"
Lin Dayou was very surprised. He stared at He Jincheng's eyes and found that he seemed to be full of confidence.
As a credit manager of a bank, Lin Dayou has met many entrepreneurs who came to borrow money, but he has never seen anyone with such firm and confident eyes as He Jincheng.
"Of course, our Qingmeng Clothing has gone from zero to more than 150,000 monthly sales in just three months. This is enough to prove how good our development prospects are. I believe every bank will definitely not cooperate with us."
You will lose money."
He Jincheng nodded and said with a smile.
"Let me think about this matter carefully and I'll give you an answer tomorrow, okay?"
After Lin Dayou pondered for a long time, he finally endured it and immediately agreed to He Jincheng's impulse.
"No problem. Here I have selected a few clothes produced in our store. Manager Lin can see if they suit you. If you like them, you can go to our store and choose them. When the time comes, just say my name and it will be free!"
He Jincheng handed the gift in his hand to Lin Dayou.
There's nothing particularly valuable in it, it's just this month's new model from Qingmeng Clothing.
Doing so would not be considered a bribe, and would also allow Lin Dayou to know more about Qingmeng Clothing.
Lin Dayou was slightly startled, then laughed and accepted the gift.
He has dealt with many people, from shrewd businessmen to ignorant upstarts.
But he felt something different about He Jincheng.
It’s hard to describe this feeling, it’s just that it’s very easy for people to believe him.
Although he tried his best to hold back and immediately agreed to his impulse, Lin Dayou himself knew that this seemed to be a good opportunity.
If you don't seize this opportunity, you will definitely regret it later.
After leaving Lin Dayou's side, He Jincheng was in a good mood.
He could tell that judging from He Jincheng's reaction, the loan was definitely a sure thing.
Then the next step is to figure out how to acquire Wutashan's factory.
Although Xinxin Garment Factory is said to be poorly managed and on the verge of bankruptcy, after all, there are still many interests involved.
In particular, He Jincheng still had some conflicts with Wu Sande, the son of the clothing factory director. If Wu Sande interfered, the matter would be even more difficult to handle.
After returning, He Jincheng immediately found Zhou Qingyuan.
After I told Zhou Qingyuan about helping him basically get the loan, he was also very excited.
"Great, if we can win the clothing factory, we can further expand our sales scope and have more production space."
Zhou Qingyuan also learned a lot from He Jincheng during this period, and his horizons were also broadened. He knew how important a clothing factory is to Qingmeng Clothing.