191: Chapter 191 Hitting a brick wall

The Bank teller blinked and replied to them very politely, "I'm sorry, the loan officer is already off work. If you are in a hurry, you can come earlier tomorrow."

Off work?

The secretary secretly glanced at Chen Ling.

Seeing that Chen Ling's expression hadn't changed in the slightest, he sighed inwardly and asked the Bank teller with a miserable look, "Then may I ask if there is any loan officer or manager here who hasn't left yet?"

"We have a very urgent loan that needs to be processed here. If possible, please help us contact the loan officer or the business manager."

Just as the Bank teller was about to refuse, she heard the secretary say again, "I'm sorry to trouble you, we are really in a big hurry."

The anxious look on the secretary's face did not seem fake, and his and Chen Ling's attire did not suggest they were poor.

The Bank teller thought for a long while and finally decided to call the business manager for them.

"Alright then, you two wait here for a moment, I'll go call the manager for you."

Saying that, she turned and walked into the lounge behind her.

Not long after, she came out with a middle-aged man with a big belly.

"Are you the ones who want to apply for a loan?"

Upon hearing the question, the secretary quickly nodded.

"That's right, it's us."

The business manager glanced at Chen Ling with an arrogant expression, then asked the two of them, "Are you applying for a joint spousal loan or an individual loan?"

Hearing the question, the secretary's eyes instantly widened.

"No, no, you misunderstood. We are not a couple. We are here to apply for a company loan."

As soon as the business manager heard 'company loan,' he got interested.

Company loans are different from individual loans and spousal loans. Company loans usually involve a large amount of money and carry higher interest rates.

As a business manager, if he could successfully process a company loan, he would also receive a significant commission.

"Is that so? It turns out to be a company loan. Then may I ask which one of you is the company representative?"

The secretary didn't speak, only shifted his gaze to Chen Ling.

Seeing his look, the business manager knew that the boss of the company was Chen Ling. He walked forward with a chuckle and proactively extended his hand to Chen Ling to introduce himself, "Hello, my surname is Wang, my full name is Wang An."

As soon as he finished speaking.

Chen Ling finally moved her gaze from her phone to the business manager's face. She lazily extended her hand and shook the business manager's hand before saying to him, "My surname is Chen. I won't waste time with pleasantries."

"I came here specifically to apply for a company loan."

Saying that, she surveyed the surroundings of the Bank lobby, revealing a look of disdain, "The experience I had at your Bank before was quite good. How is it now..."

Hearing this, the business manager immediately understood, bent down, and led the way for her.

"Oh dear, I was so caught up in chatting that I forgot to bring you into the office to talk. I'm truly sorry!"

Chen Ling did not reply, just lifted her foot and followed.

A little while later.

The business manager led them to a relatively small lounge.

"Please have a seat here for a moment, I'll go get the documents for you. Oh, would you two like water or tea?"

Chen Ling didn't even look at the other person and replied directly.

"Whatever."

The business manager didn't take offense at his attitude and directly asked the Bank teller outside to prepare tea for them.

Not long after.

The business manager entered the office with a stack of documents and two cups of tea.

"The tea is still very hot, please be careful when you drink it."

Saying that, he opened the documents he brought in and placed them in front of Chen Ling.

"Currently, our Bank has a total of five types of company loans: one is a guarantee loan, one is a mortgage loan, and the remaining three are business loans."

Chen Ling said without hesitation, "I want the business loan."

After listening, the business manager patiently flipped open the detailed information for the business loan and placed it in front of her.

"Currently, our business loan has three types in total, with limits from low to high: two million, five million, and twenty million."

"I wonder which type of business loan President Chen would like?"

Chen Ling frowned, a bad premonition rising in her heart.

"Does twenty million mean the maximum limit is only twenty million?"

The business manager nodded.

"That's right."

As soon as the words fell, Chen Ling said decisively, "That won't work. The limit is not enough. Take another look to see if there are any other loans with a higher limit."

The business manager blinked and asked tentatively, "Twenty million isn't enough? What limit is President Chen looking for?"

Chen Ling replied, "At least over one hundred million."

A loan of over one hundred million?!

The business manager was completely shocked.

He thought to himself: What is the background of this President Chen in front of him? How can he ask for over one hundred million as soon as he opens his mouth? Could it be that he operates a listed company?

Confusion constantly swirled in his mind.

The business manager couldn't help but ask Chen Ling for her company's documents.

Since the company documents were meant to be shown to the business manager anyway, Chen Ling handed the documents over as soon as he asked.

After reading the documents Chen Ling handed over, the business manager was greatly disappointed.

What the heck!

It turned out to be a newly established company.

He had actually thought it was some big-shot listed company.

What a waste of his emotions!

Thinking this, his attitude immediately became much more perfunctory.

"Oh, based on your company's qualifications, wanting a loan of over one hundred million is definitely impossible."

"I advise you not to ask for too much. Just apply for the lowest tier of the business loan."

Chen Ling was stunned and blurted out, "The lowest tier of the business loan? That's two million, isn't it? I don't lack two million. I lack over one hundred million in capital!"

Hearing this, the business manager sneered.

"You say two million, but it's not certain if you can even get two million."

"I'm not afraid to tell you the truth, with the qualifications of a newly established company like yours, being able to secure over one million is already considered very good."

What did he mean by 'being able to secure over one million is already considered very good'?

Chen Ling was enraged by these words and slammed the table, standing up abruptly.

"What do you mean by that? Are you just saying my company can't get that much money as a loan?!"

Seeing Chen Ling getting angry, the business manager sighed.

"President Chen, it's not that I don't want to say nice things, but this is the reality. The authorities are cracking down strictly now. For a company like yours that has just opened a few months ago, wanting a high-amount loan is basically wishful thinking."

The words were rough, but the logic was sound.

The secretary knew that what the business manager said was the truth.

He leaned close to Chen Ling's ear and whispered, "President Chen, I have also looked into related matters. Manager Wang is indeed correct."

"The authorities are cracking down very strictly now. It is very difficult for a company like ours, which has only been open for a few months, to apply for a high-amount loan, because they are afraid it might be a shell company..."