The investment era of rebirth

Chapter 107 Psychological confrontation
"Mr. Su..."

As soon as Su Yu entered the private room, Li Huiyuan stood up and greeted him proactively.

Su Yu glanced at him, then gently shook his hand, sat down and said, "Mr. Li, you don't have to be polite. Speaking of which... we are old friends. If you have anything, you may as well just say it."

At this time, the other party took the initiative to ask him out.

Su Yu doesn't need to guess, he also knows that it must be a 'bridge loan'.

"Mr. Su treats me as an old friend. I am naturally honored." Li Huiyuan replied with a smile, and then paused for a long time before continuing: "Actually, if you take the liberty of disturbing Mr. Su, I still want to have a chat with Mr. Su." Let’s talk about the “Bridge Loan” of the general loan company borrowed by our “Yichuang Planning” company, and the issues related to the agreement we signed when we discussed with Mr. Su last time…”

"Oh!" Su Yu said with a smile, "Li always wants to redeem the share equity conditional transfer agreement that asked me to guarantee your repayment on time as collateral?"

With that said, Su Yu took out the document that Li Huiyuan stamped his fingerprint on at that time from his bag.

He continued to smile and said: "If you have already repaid the loan in advance, then this document will naturally be invalid. I can tear it up immediately, or return it to Mr. Li."

"Mr. Su misunderstood, I didn't mean that..."

A look of embarrassment appeared on Li Huiyuan's face, and he hurriedly explained: "As for the repayment method of the loan, we want to... talk to Mr. Su again."

"Talk about it?" Su Yu wondered, "Didn't we already make an agreement at that time?"

"Could it be..."

Su Yu looked at Li Huiyuan with a smile, and continued: "Mr. Li always wants me to apply to Mr. Qian for an extension? Or if you haven't signed up yet, you want me to pay it for you?"

"That's all right."

"If you really don't make it, follow the principles of the agreement."

"I can repay the 1100 million and all the interest on the loan for you."

"It's just that the share transfer condition agreement that Mr. Li signed and fingerprinted at the beginning will have to take effect after I repay the loan for you."

"Actually, that's fine too, as if I used 1100 million, oh... counting the interest, it should be about 1250 million, and I've invested in your 'Yichuang Planning' company."

"In this way, you don't have to pay back the money, and the company has less debt."

"We can continue to develop lightly."

"Oh, that's not right. I remember that the money was originally borrowed in Mr. Li's own name, and then Mr. Li lent the money to the company. If calculated in this way... it is equivalent to 50% of Mr. Li's shares. About 1250 million funds were raised, but the funds raised were occupied by the company, and the company should still owe Mr. Li 1250 million."

"But I believe that this money will be used after the company develops and makes profits in the future, or after applying for new bank loans."

"It will definitely be returned to Mr. Li."

Seeing that Su Yu had already raised the topic, Li Huiyuan was silent for a while, so he could only bite the bullet and say: "Recently, it is really difficult for the bank to lend money. All the loans we have applied for are currently stuck in the first step of lending. According to the bank's internal According to the staff, it is estimated that the funds will be released in July."

"But even though it's hard for banks to lend..."

"Our 'Yichuang Planning' company, including me, Li Huiyuan, never thought of breaching the contract, let alone asking Mr. Su to ask Mr. Qian for another extension."

"After all, there is no other funding channel except bank loans."

"Other social financing channels have not been closed at this time. Many financing institutions have expressed goodwill and investment intentions to our 'One Creation Planning'."

"And the company has also received a large amount of money back during this period of time, and the funding gap is not large."

"We are confident that we will complete the repayment of the loan and the redemption of the equity transfer agreement in Mr. Su's hands within the agreed time limit."

"Oh?" Su Yu was not surprised to hear Li Huiyuan's words, and asked, "Boss Li has the willingness and confidence to repay the loan on time, so why did he say he wanted to talk to me about the repayment method of the loan just now? "

"We are confident in raising such a sum of money." Li Huiyuan said, "But in a sense, without the support of bank loans, we will raise the money accordingly. After repaying the loan, we will withdraw accordingly." Drying the company's cash flow leaves huge operational risks for the company."

"And through our previous communication with Mr. Su..."

"I know that Mr. Su is very interested in our 'Yichuang Planning' company, and he is also very optimistic about the future development of our company."

"Then, I thought..."

"Since it is always necessary to select financing and introduce new institutions to join, it is better to deepen the cooperation with Mr. Su."

"After all, you have done us a great favor by extending our loan with your personal credit guarantee. We should reciprocate."

Su Yu didn't speak for a while after hearing Li Huiyuan's plan.

He was contemplating how much of what the other party said was true and how much was false.

According to the current market funding environment, it is indeed unrealistic for the 'Yichuang Planning' to obtain a large amount of new loans from banks.

And what the other party said was contact with new investment institutions, and even the funds raised by Li Huiyuan from other channels.

Su Yu believes that the other party must have done this during this period of time.

It's just that the funds that can be raised in the end, compared with the huge amount of 1100 million principal and more than 150 million interest, there must be a gap.

That is to say...

The other party must have funds at present, but it is not enough to repay the principal and interest, and there is a certain funding gap.

Otherwise, they would not have negotiated with him in advance.

As for what the other party said, in order to thank him for his help to 'Yichuang Planning', reciprocate, and give priority to attracting him as a shareholder, he thinks... It should be purely a lie.

After all, nothing is more important than substantial tangible benefits.

If within the time period of 'Yichuang Planning', an investment institution can be found that is willing to invest and can offer a higher real value than the corresponding shares in Su Yu's hand, that is to say, if the other institution is willing to invest Under this circumstance, an overall valuation higher than RMB 2500 million can also be given to 'Yichuang Planning'.

Then, under the condition that the financing funds remain unchanged.

Whether it is the 'Yichuang Planning' company or Li Huiyuan, they should definitely not choose Su Yu.

After thinking about this, Su Yu said with a smile: "My sister is in your company, and she has always relied on Mr. Li's care. I use my credit guarantee to help me by the way. Of course, I can’t say anything like ‘reciprocate the favor’.”

"But, to be honest..."

"Mr. Li has something to say, and he's right. I'm really optimistic about the future of your 'Yichuang Planning'."

"I also very much hope that at the invitation of Mr. Li, I can invest in the 'Yichuang Planning' company."

"But at the same time, I also hope..." Su Yu paused, staring seriously at Li Huiyuan's eyes, "We can be more honest with each other."

"Mr. Li said just now that you have found investment institutions during this period of time."

"And investment institutions are also willing to help you in times of difficulty."

"I believe this! But I think... any investment institution is not a charity. In the current market investment environment is quite pessimistic, and you are short of money, even if the investment institution will accept your financing application, I'm afraid it won't be overestimated."

"Moreover, institutional investment projects..."

"It takes a long time for all the processes to go down."

"Just like Mr. Li said, it's not that you can't pay back the money, but once you repay the loan in full and perform the contract on time, you will drain the liquidity of the entire 'Yichuang Planning' company, making the company's operations bear huge risks."

"So... then the financing of the organization is naturally under the secondary conditions you consider."

"Seeing that the financing of the institution cannot give too high a valuation condition, and the time span of the time is still relatively long, and after you repay the full amount, the risk the company faces is extremely high, and it is difficult to gamble , so... this is a trade-off, find the one on my head, right?"

Su Yu saw that Li Huiyuan's eyes changed slightly.

Without waiting for his rebuttal, he continued: "Mr. Li, in business and business, you have founded 'Yichuang Planning' for almost six years. There is some truth, you don't need me to say it, you understand it."

"Friendship is friendship."

"But it is always trust and interests that ultimately determine the basis for cooperation between the two parties."

"I know, I asked Mr. Li to use 50% of the shares of 'Yichuang Planning' as a guarantee."

"Mr. Li feels somewhat uncomfortable."

"I feel that I am taking advantage of the fire to rob, and I feel that I am making things difficult for others and persecuting you."

"But in fact, in essence, the conditional agreement for the transfer of shares, the conditions contained in it, are not too difficult for you to complete."

"Through this share transfer conditional agreement..."

"What I want to see more is Mr. Li's determination and courage, rather than wanting to take control of the 'Yichuang Planning' company from Mr. Li."

"After all, at the end of the day, I'm an investor."

"What I want most is not the company's internal power, but the benefits that the company can ultimately create, as well as the value of the shares in my hand that can be added in the future."

Li Huiyuan was shocked when he saw Su Yu talking calmly.

As Su Yu said, he has approached several investment institutions during this period of time, but after the other party learned of the financial difficulties faced by 'Yichuang Planning', not only did they not give timely financing discounts, but , Frantically lowered the valuation of 'Yichuang Planning'.

mall, mall...

As long as it is related to one's own interests, no one will "send charcoal in the snow", but there are many people who "make trouble".

When Li Huiyuan saw that an organization that had been negotiating hard only gave a valuation of 2700 million to "Yichuang Planning", he was so angry that he dropped the document on the spot.

Of course, in addition to institutional financing channels.

With the bank financing channels almost completely cut off, some people still gave some support to other partners he asked for.

This allowed him to scrape together a total of more than 700 million in cash.

It is only about 700 million yuan in cash, which is still a big difference compared to the total loan principal and interest of more than 1250 million yuan.

Seeing that the agreed time limit was approaching, and he really had nothing to borrow, he decided to take another gamble and meet with Su Yu, hoping to pry another hole from Su Yu.

"Mr. Su has sharp eyes."

After Su Yu fully clarified the topic, Li Huiyuan said with a smile: "The current situation we're facing in 'Yichuang Planning' is indeed as Mr. Su said."

"We are able to repay the loan in full."

"But at the same time, after the full repayment, the company will face the situation that it cannot pay wages and cannot operate."

Of course, in essence, even if they drained the cash flow of 'Yichuang Planning', they would not be able to raise more than 1250 million funds. It's just the actual situation. With Su Yu holding the 50% equity mortgage documents, Li Huiyuan Even if he is in a desperate situation and carries on to the end, he will not reveal the truth to Su Yu.

After all, he has the ability to repay the loan in full only if he bites himself.

Only by taking advantage of Su Yu's intention to take a stake in the 'One Creation Planning' company, and being optimistic about the foundation of the future development of 'One Creation Planning', continue the negotiation.

Otherwise, the truth will be revealed.

He completely lost all his bargaining chips, and could only be slaughtered by Su Yu.

"So, we also sincerely hope that Mr. Su can help us tide over the difficulties at this time. We will be very grateful."

"How much is your fund shortfall?" Su Yu pondered for a while, thinking that if he insisted on holding on to 50% of the shares, and the other party would try to scrape together money to pay off the debt, he would still get nothing in the end. So... It's better to follow the other party's wishes, be a favor, and give a little friendship in a timely manner.

When Li Huiyuan saw Su Yu's loose mouth, he knew that the negotiation was going to be interesting, so he couldn't help but calm down and said, "The company invested a lot of money in several operating projects a while ago. According to the current market financing environment, it needs to get a loan from the bank. To ensure that the company will not have any operational problems before, I am afraid that it will need about 6 million funds."

"Five 6 million." Su Yu whispered.

Considering the funding gap of this amount, it is really quite a lot for the scale of operation of 'Yichuang Planning'.

So, I couldn't help but wonder if the other party was telling the truth.

Seeing that Su Yu was pondering, Li Huiyuan seemed to be hesitant, and hurriedly said: "We can give Mr. Su a discount for capital investment based on the valuation level of the entire company of 2500 million. In fact... if we choose off-site institutional financing, the company It is possible to get a market valuation of at least 3500 million."

"only……"

"As Mr. Su said, the agency's review process takes time, but we are currently short of time. If it is not necessary, it is difficult to choose this path."

"The market valuation is 2500 million." Su Yu thought about it secretly.

When he initially chose to seize 50% of the shares in Li Huiyuan's hands, the estimated value for "Yichuang Planning" was about 2300 million.

In this way, the conditions offered by the other party are not much different.

It's just that if he buys shares with 500 million funds, it's still a lot worse than his original idea of ​​occupying 50% of the shares.

But this is not without benefits.

At least in this way, he is a savior for Li Huiyuan and the 'Yichuang Planning' company, a white knight, not a robber.

The founding team will not dislike his intervention.

At the same time, Li Huiyuan's control is still there, and he still occupies the largest share of the company's "development cake".

This will help the founding team to continue to forge ahead, and will also help the healthy development of 'Yichuang Planning' in the future.

And, don't do that...

He believes that once the other party is pushed into a desperate situation, and the other party repays the debts with all their efforts, in the end, the agreement on the terms and conditions of the shares in his hand will become waste paper, and he will still get nothing. .

So, weighing the left and right...

Su Yu couldn't guess that the other party was in a desperate situation at this moment, and already had a big gamble in mind. When negotiating with him, he thought that each of them would take a step back and share the benefits evenly. After all, it would be better than the end of the dead end, so he nodded and agreed to Li Huiyuan's proposal , Said: "Okay, according to the market valuation of 2500 million you said, I will invest 500 million in you."

Hear Su Yu's final decision.

The tight string in Li Huiyuan's heart was finally loosened. He raised the wine glass in front of him a little too excitedly, and said to Su Yu: "Thank you, Mr. Su, for your support of our 'Yichuang Planning', and hope that we can work together in the future." I hope that 'Yichuang Planning' can bring more wealth returns to Mr. Su in the future."

During the ten seconds of contemplation before Su Yu nodded in agreement.

Li Huiyuan was really nervous, and really flustered in his heart, afraid that Su Yu would see that he didn't have enough confidence in his heart, and would force him, and the company, to take control of the company forcefully.

Good thing...

Under the condition that he kept the bottom line as much as possible and made full concessions.

Su Yu didn't see through his bluff, and agreed to invest funds in order to solve the current financial difficulties faced by 'Yichuang Planning'.

(End of this chapter)