Lin Ran visited the treasure house and heard Chen Wei say that the medicinal materials were very valuable. Every time he was short of money, Chen Wei would sell a batch of medicinal materials.
“Where do these herbs come from?”
"Of course it is collected from the mountains. This is a very risky operation. Every time I go into the mountains, I have to pay a huge fee."
"Actually, if you want to expand your business, you can definitely get a loan from a bank!"
"The interest rates on bank loans are too high. I have my own source of funds, so why should I give them an advantage?"
This is Chen Wei's business model. Many businessmen, in order to develop their companies better, will choose to take loans and use other people's money to make money.
Chen Wei disagreed. He had calculated it himself. If he wanted to use bank loans to do business and make money, he would have to choose a very good project. Many companies with poor risk resistance suffered from loans.
Chen Wei doesn't want his company to take such risks.
A company's capital chain is really important to a company.
What happened to Xiao Zhennan must not happen again to me.
This treasure house is the most powerful financial support for the development of his company.
"What a pity!" Lin Ran looked at the treasure house and immediately saw a business opportunity.
"What's the pity?" Chen Wei asked.
"You also said that bank loan interest rates are high, so why don't you use your precious money here to make money? Antiques have the potential to appreciate in value. If you sell these medicinal materials, you can set up a small loan company.
On the one hand, as a source of funds for our company, on the other hand, we can also earn interest. As far as I know, it is actually very difficult for some companies to get loans now. As long as it is within the scope permitted by law, I think this is
It's a very good deal, and those people are willing to pay more interest for the loan."
Lin Ran has a friend who is an entrepreneur. He invited her for a drink some time ago and talked about the company's plight. He couldn't get loans from big banks and the interest rates from small loan companies were ridiculously high. He could only watch the good projects.
slipped from the hand.
When Chen Wei heard what Lin Ran said, he felt it made sense.
The auction house is in great demand for goods recently, and Chen Wei also plans to ship out a few more batches of goods. When all the medicinal materials here are sold out, he will send people into the mountains.
Now that I have such a good idea, why not go for it?
What to do?
Chen Wei was a man who did what he said. He shipped a few batches of goods and had a lot of money on hand, so he immediately established a small loan company.
Small loan companies require collateral to lend money.
Although Chen Wei is not very familiar with this industry, he still wants to try it.
The interest rates of Chen Wei's small loan company are much lower than those of other small loan companies, and not much more than loans from banks. As soon as the company opens, business will come to your doorstep.
Chen Wei has developed a habit that when a new company is established, he always likes to stay in the new company for a period of time.
The company's first customer is a beautiful woman, Han Xin, an old acquaintance.
When Chen Wei handed the store to Han Xin, Han Xin was already the owner of three milk tea chain stores.
This time I came to their company and wanted to borrow 50 million yuan.
The first business transaction was very large.
"Mr. Han, long time no see. How many milk tea shops have you opened now?"
"Including those in Jiangzhou, there are about two dozen of them! You are incomparable to Mr. Chen. You are already a billionaire now."
"That's an exaggeration. I just opened a few small companies."
"Those who can open a small loan company have extraordinary financial resources!"
The two chatted for a while, and Chen Wei found that Han Xin looked even more beautiful than before. Chen Wei could still receive the rent from the shop. The milk tea shop was still in business. That place was now the city center, a busy place.
In the downtown area of the district, when Chen Wei passed by there several times, he saw a long line of people queuing up to buy milk tea. Many takeaways were also coming and going in front of the store. The business must be very good.
Han Xin wanted to start a milk tea company to produce the kind of milk tea that can be drunk. She has been in the milk tea business for so many years. She also likes to drink milk tea herself. She has visited many places and feels that this is a good business opportunity. Although domestically,
There are many such milk teas, but Han Xin found that the performance of those companies has plummeted. The reason is very simple. Nowadays, many people pay attention to health. Milk tea with high sugar content will definitely become the abandoned baby of the times.
Han Xin wanted to make a sugar-free, healthy and delicious milk tea. The recipe had been researched. When Han Xin came, she brought a few cups.
"I'll make you a drink." Han Xin said, stood up, made a cup, and handed it to Chen Wei.
Chen Wei took a sip and praised it profusely: "It tastes good, even better than the freshly made one."
"Of course. My milk tea was researched by many milk tea experts. It took two or three years to complete. I have applied for a patent. This kind of healthy drink will definitely have a market."
"Milk tea is delicious, but how much money do you plan to invest in publicity?"
"Ten million is almost enough."
Chen Wei smiled and shook his head: "I'm afraid ten million is not enough to promote it in our local area. You should know that the number one milk tea company now spends hundreds of millions on advertising."
"I think so too! I don't have enough funds in hand! Otherwise, I wouldn't ask you for a loan."
"Fifty million is probably just enough for you to build a factory and maintain normal production. I'm afraid you won't be able to spend money for advertising anymore." Chen Wei said this because he wanted Han Xin to just take it and withdraw. He recently told a friend
While drinking together, we talked about the milk tea market. The milk tea market in recent years has not been very good. If Han Xin chooses to enter now, it is tantamount to courting death. The 50 million yuan may be lost.
In Chen Wei's view, store management is a long-term solution. No matter in spring, summer, autumn or winter, there are always many customers in front of milk tea shops, drinking hot drinks in winter and cold drinks in summer. Now that the takeout industry is developing so well, I believe Han Xin's
There are more than 20 stores, making a lot of money.
This 50 million is not as good as continuing to open branches in other cities.
Chen Wei has read Han Xin's mortgage materials. Her more than 20 stores are franchised to the most popular milk tea brands in the local area and Jiangzhou, and the business is very good.
Chen Wei thinks it is inappropriate for Han Xin to take such a big risk to make milk tea, which has a poor market prospect.
Hearing what Chen Wei said, Han Xin also hesitated a little. There were more than one or two friends who said this to her.
Everyone is not optimistic about it. Drinking milk tea can only be sold in supermarkets, convenience stores and other places. The demand is limited, and there are many competing brands. It is really difficult to carve out a way out in a field that is not very popular.
.
Han Xin has done so much just to realize her dream. She has always joined other people's brands, and she has always wanted a brand of her own.
Every entrepreneur is a person with a dream.
Chen Wei probably understood Han Xin's thoughts and smiled slightly: "I have an idea."