Sprinkle coins every day

Chapter 6 Upgrade Shortcuts
the next day,
Du Qingqing got up just in time to meet Zhang Shuochen running back with breakfast in his hand.

"No, I brought it for you."

Zhang Shuo put the breakfast on the table, turned around and took a shower.

After reliving his life, Zhang Shuo became more cherishing his life, knowing that every time he spent his body recklessly when he was young, he would return it when he was old.

Do not smoke, do not stay up late,

After moving to Tianfu Community, I started running every morning to exercise.

"I stayed up half the night for this guy, and he still has time to run in the morning? It's so annoying." Du Qingqing grabbed the big steaming meat bun, took a bite, and filled up his grievances.

After taking a shower, Zhang Shuo went out.

Today he made an appointment with someone from Shenghua Financial Services to talk about bridging loans. The latter is a financial services company whose main business is guarantees.

It was introduced by Accountant Chen.

For the specific negotiation, Zhang Shuo did not bring Accountant Chen with him, but prepared to appear in person. After all, Accountant Chen is not his employee, so there is no reason for him to work overtime on weekends.

Zhang Shuo himself wanted to practice more.

The venue for the negotiation is at Shenghua Financial Services Company, which is also in the Lubei area, and it is only two bus stops away.

"Mr. Zhang, welcome!"

Waiting for Zhang Shuo at the door was Sun Tingmao, the business manager of Shenghua Financial Services. He was in his early thirties and very dedicated. He still wore a neat suit and polished leather shoes on the big weekend.

Looks like they sell 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 makes bridge loans for one to six months, and if it is less than one month, it will be calculated as one month."

"How about the interest?" Zhang Shuo asked.

"According to the loan amount and time, the monthly interest is calculated at 2%-4%." Sun Tingmao did not hide it.

These are all open and transparent.

Converted into an annual interest rate, it is about 24%-48%, which is very scary.

"Okay, I want a loan of 30 yuan for one month."

"30 yuan,"

Sun Tingmao's eyes lit up slightly, "Then, Mr. Zhang, what do you use as a mortgage?"

But no formal financial company dares to make unsecured, zero-threshold loans, even bridge loans.

"Take this,"

Zhang Shuo took out the shareholding book he had prepared in advance and the introduction of Green Orange's retail operation.

"Let me see."

Sun Tingmao took it with a smile, but his expression became more and more pale. He said in embarrassment: "Mr. Zhang, although you are 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 used 30 yuan to acquire 67% of the shares of Green Orange Retail not long ago, it seems that the value of Green Orange Retail is close to 50 yuan, but who knows if there is something tricky in it?
There are too many ways to play.

Zhang Shuo knew that things would not go well, and it was too difficult for small and micro enterprises to get loans, so he could only use it for profit.

"I can give 4% interest."

If you borrow 30 for a month, that is 1.2 in interest.

It's just like picking up money.

"This……"

Sun Tingmao was a little bit tempted. If he could talk about 4% interest, then he could get at least 5000 yuan in commission, but he still didn't dare to accept it easily, and asked tentatively, "Does Mr. Zhang have any other mortgages?"

"only this,"

Zhang Shuo continued to increase, "If you are still not at ease, your company can implement a bank supervision on this fund, stipulating that it can only be injected into Green Orange Retail, otherwise the bank can freeze it at any time."

"This line!"

Sun Tingmao's small eyes lit up immediately, and there was basically no risk in such an operation.

"So, is that settled?"

"No problem, let's sign a letter of intent for cooperation first. After our company verifies the operation of Green Orange Retail, we can formally sign the contract and release the loan." Sun Tingmao is very professional.

After signing the letter of intent,
He also handed Zhang Shuo a business card, and said enthusiastically: "Mr. Zhang, if you need anything, please come to me anytime!"

"must!"

Zhang Shuo accepted the business card with a smile, which was more or less a personal connection.

…………

Shenghua Financial Services is very professional.

After the review on Monday, Zhang Shuo was notified to sign the formal contract on Wednesday.

On Friday, that is, June 6, the 4 bridge loan was transferred to the budding capital account.

On the same day, Zhang Shuo asked Accountant Chen to transfer the money to Qingcheng Retail, and then signed a new equity distribution agreement with Du Qingqing.

Get it!

Du Qingqing was very cautious, and only formally signed a contract with the decoration company after the funds arrived.

Still don't fully trust Zhang Shuo.

Zhang Shuo ignored Du Qingqing's small thoughts, he was preparing to taste a bigger victory.

"Ding, the entrepreneurial level is upgraded to level 2, and the gift card is rewarded-insight!"

Another infusion of mysterious power,

Zhang Shuo felt as if he had been baptized from the inside out.

Insight into quality, in addition to being able to observe words and feelings, take the lead in business negotiations, but also see through the appearance of affairs, point directly to the essence of affairs, and discover internal needs, laws and truths, etc.

Very strong!
Zhang Shuo couldn't wait to open the panel to check other changes.

【Host】: Zhang Shuo
[Talent]: Focus on Lv1, insight into Lv1
[Level]: Level 2 (5/300)

[Support Fund]: 5000 yuan/day

[Cash]: 106.50 million

[Loan]: 30 (bridge loan)

【Companies under the name】: Germination Capital (100% holding), Green Orange Retail (accounting for 80.2% of the shares)

The support fund has increased from 1000 yuan per day to 5000 yuan, a full five-fold increase.

Cool! ! !
"Uh, doesn't that mean that Germinal Capital's turnover in one day is enough to pay my salary?"

Suddenly a little sad...

Upgrading to level 2 rewarded 100 million venture capital, and correspondingly, the leveling experience also increased to 300 points.

To upgrade to level 3, there is still a shortfall of 200 million, oh no, there is a funding gap of 230 million.

Difficult! ! !

Zhang Shuo, who has awakened and insight into his talents, even realized that at level 1, 30 venture capital accounted for half of the experience value, while at level 2, 100 million venture capital accounted for only one-third of the experience value.

"It's more difficult to upgrade."

As for the extra 5 points of experience points, it is the 5 yuan expenditure incurred in the previous reimbursement, rent payment, bridge loan interest payment, etc., which can only be regarded as a drop in the bucket.

230 million funding gap,
It takes 460 days to accumulate support funds alone, and the cycle is even longer.

"You still have to use other people's money to upgrade your level."

Tasted the sweetness,
Zhang Shuo was even more unwilling to suffer slowly, and still wanted to take a shortcut.

How can I get a loan of 230 million?

It would definitely not work to simply find Shenghua Financial Services, 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 50, or even 100 million, but never dare to lend 230 million.

Unless crazy!

"Then we can only go to the bank." Zhang Shuo slowly cleared his mind.

If you want to get a loan from the bank, the easiest and most feasible way is to buy a house. Right now, the real estate market in Binhai City is sluggish. As long as you can afford the down payment, the bank is still happy to lend money.

It is impossible to specify to buy a house.

The system won't allow him to invest in real estate, so isn't that a false public benefit?
Then you can only buy shops.

The advantage is that after buying it, it can be leased to Qingcheng Retail to open a branch in the future.

perfect!

The only problem is that only commercial loans can be used to buy shops, and the loan ratio should not exceed 50%.

That is,

If Zhang Shuo buys a shop with a total price of 300 million, he must prepare at least 150 million down payment.

"There is still a funding gap of 100 million..."

After Zhang Shuo thought about it for a while, he turned his idea to Shenghua Jinfu.

"There's a play!"

Zhang Shuo felt that he could give it a try.

In addition, what he is even more curious about now is, when Germination Capital repays the 30 bridge loan next Monday, is it considered a normal expenditure, and can experience points be generated repeatedly?

If it can, it will not only save 30, but it will be very easy to operate later.

the result shown.

Still think too much, after repayment, the experience value nephew lights up the lantern - as usual!
Don't give him a chance to take advantage of the loopholes.

Fortunately, Zhang Shuo didn't expect too much at first. After confirming, he took advantage of his spare time after get off work and began to look for suitable shops with a market value of 300 million in the Lubei area.

This is not easy.

One is that many low-end merchants and developers only rent and do not sell for the purpose of unified planning and operation.

stores sold separately,

Either the price is too high, the location is bad, or the owner won't sell!

This is Binhai City, and the Lubei area is a relatively prosperous area. There are very few shops that close their doors and go out of business. They can only be found slowly in one business district after another.

For this reason, Zhang Shuo also specially contacted Sister Li, the agent of Centaline Real Estate, and asked her to find it for him.

People are professionals.

…………

Tuesday, July 6.

When Zhang Shuo came home from get off work, he unexpectedly found that Du Qingqing was also at home.

I don't know if it's because he's really busy, or because he doesn't want to "cohabit" with him, but Du Qingqing basically stays in the store until ninety o'clock before coming back, so he really regards this as a temporary place to sleep.

"Is something wrong?" Zhang Shuo asked.

"Qingcheng's decoration drawings are out, do you want to take a look?"

really!

"It's quite efficient, let me see."

Zhang Shuo is not polite at all, he has high expectations for Qingcheng.

(End of this chapter)