246: Chapter 246 A loan of twenty-five million! I'm just afraid you'll run it seriously!

Chapter 246: A Loan of Twenty-Five Million! The Fear is Your Serious Business Operation!

It is extremely difficult for an ordinary company to apply for a bank loan.

Especially for a company like Jiuxiang Catering, which has few fixed assets.

And for a company that cannot provide any collateral!

If it weren't for the fact that the two major brands under Jiuxiang Catering were developing so well and their potential was clearly visible, the bank likely wouldn't have dared to take such a risk.

Don't think that just because banks have too many deposits now, it's easy to get a loan!

At the same time, the three banks also stated that if Jufan Holdings could act as a guarantor for Jiuxiang Catering,

they could provide Jiuxiang Catering with even more loans!

Was it necessary?

Su Yang believed that twenty-five million was already enough.

After all, Jiuxiang Catering's expansion wouldn't be too fast, and they still had quite decent monthly profits.

He planned to take the loan for one year first, and then continue after paying it off a year later!

By then, as long as Jiuxiang Catering's finances were healthy enough and their credit with the bank increased,

they would definitely be able to borrow even more!

After getting the twenty-five million, Jiuxiang Catering wouldn't need him to inject funds for a short period.

He could put his capital into other companies instead!

He didn't care much about the past between Tian Hanxiong and Chen Li.

Business was business; he couldn't possibly discard a loan delivered to his doorstep just because of some past history!

He wasn't that petty!

Besides, he could monitor Chen Li's loyalty and moral attributes.

Furthermore, when he had treated the three account managers to dinner a few days ago, he noticed that Tian Hanxiong's own moral attribute actually exceeded 70!

This was quite far ahead among the three bank account managers!

So, Su Yang had Guo Xueqin contact Tian Hanxiong and told her to give a heads-up to the account managers of the other two banks.

Even if a deal didn't go through, benevolence remained; he would certainly collaborate with more than just one bank in the future!

Perhaps it would have been fine if he personally greeted the three bank account managers, but he felt it was better to maintain a bit of a posture.

In any case, he was quite casual about bank loans... borrow if they'll lend, and if not, forget it.

As long as his company was strong enough, banks would proactively beg him to take loans!

The five major domestic banks, various commercial banks, and even rural banks...

There were quite a lot of domestic banks, over four thousand that could provide loans!

If you won't lend, plenty of other banks are willing!

Tian Hanxiong was also quite excited when he received Guo Xueqin's call.

Securing a twenty-five million bank loan for Jiuxiang Catering involved taking a certain amount of risk.

However, high risk meant potentially high rewards. He was very optimistic about the future of the four subsidiaries under Jufan Holdings—Jiuxiang Catering, Jiuxiang Food, Spark Media, and Spark Fitness—believing they had immense development potential!

He was able to convince his superiors also because of the powerful influence Jiuxiang Catering and Spark Fitness had in the local catering and fitness industries.

Plus those beautiful financial statements and the elegant profit growth curve!

With three million in net profit per month, they were fully qualified to borrow twenty-five million.

Moreover, Jiuxiang Catering's development only seemed aggressive on the surface; internally, it wasn't overly so!

Recently, they had even stopped the expansion of the hotpot chain to carry out internal reorganization!

This proved that the person at the helm of the hotpot chain wasn't some reckless fool who expanded blindly.

Tian Hanxiong had investigated the management of Jiuxiang Catering; they were all experienced veterans!

Longyin currently had no business dealings with Jufan Holdings. Tian Hanxiong believed it was essential to establish a connection with Jufan Holdings, as it would be very beneficial for Longyin and his own career development!

When Manager Zhao heard that Jiuxiang Catering intended to take a loan from Longyin, he couldn't help but ask Guo Xueqin, "Director Guo, is it because Tian Hanxiong offered a higher loan limit than our bank?"

"Mm, yes!"

Guo Xueqin didn't hide it from Manager Zhao; after all, it wasn't a secret.

"Damn! That kid really has guts. Isn't he afraid of tripping up again?"

Manager Zhao couldn't help but curse.

Recalling their conversation when they left the restaurant a few days ago, he felt very disgruntled!

Although he hadn't told the truth back then, he didn't expect Tian Hanxiong to be even better at putting on an act than him!

This was unethical!

"Manager Zhao, Jiuxiang Catering won't let anyone trip up!" Guo Xueqin was displeased upon hearing Manager Zhao's words. "Under the leadership of the Boss and Mr. Ji, Jiuxiang Catering is flourishing. That small loan is no problem at all."

"I'm sorry, Director Guo, I spoke without thinking!"

"Mm!"

"I hope we can cooperate again in the future!" Manager Zhao said politely. "If you need a loan in the future, remember to look for us!"

"Alright!"

After Su Yang met Tian Hanxiong, they had a very pleasant chat.

He also mentioned in passing that they would be distributing three million in bonuses and dividends to employees in September.

Tian Hanxiong didn't expect Su Yang to be so generous to his employees.

However, he still stated that the bank would only supervise the use of the loan funds.

As long as it was used for Jiuxiang Catering's business operations, there would be no problem!

After letting Guo Xueqin discuss the necessary loan documents with Tian Hanxiong, he called Chen Li and made an appointment to have dinner at her place tonight!

After working Chen Li to the point of exhaustion, Su Yang asked about Tian Hanxiong.

He now had complete mastery over Chen Li's body and knew its tolerance like the back of his hand.

He knew how to bring her to her physical limit without actually making her break down!

He would try his best to bring a woman the ultimate pleasure without breaking them!

Chen Li gave Su Yang a sidelong glance. "And you said you didn't care!"

"Speaking seriously, I feel like he's different from other bank account managers!"

"That man, how should I put it..." Chen Li thought for a moment and sighed, "He's a bit naive!"

"How so?"

"Back then, a company approached him for a loan, saying the funds were for business operations. In the end, that company used the money to buy residential property, so he directly recalled the loan, saying they were in violation... I heard that because of this, his superiors didn't look upon him very favorably!"

Su Yang commented, "It indeed was a violation, wasn't it?"

"These things can be overlooked with one eye closed!" Chen Li said helplessly. "At that time, when banks gave business loans to enterprises, what they feared most was the enterprise actually using the funds for business... Hahaha..."

At this point, Chen Li couldn't help but laugh.

"Just like some listed companies back then, clearly their business was losing money, but after selling a few properties, their financial statements showed a profit?"

"Mm!" Chen Li nodded. "And those were the relatively ethical listed companies; the less ethical ones just had fake financial statements."

Su Yang said, "Then the results proved that he seemed to be correct, didn't they?"

"For him, that wasn't necessarily a good thing!"

"Alright!"

Su Yang seemed to understand what Chen Li meant.

Didn't that prove his superior was wrong?

"Because of that, his business performance hasn't been great, and some troubles have arisen..."

"Mm!"

"He's the type who truly wants to help a company develop. If it's a company he really believes in, he's also very bold... Sometimes I even admire him a little," Chen Li whispered. "I thought he was quite suitable for our company, so I brought him over."

"Has your body recovered?"

"What do you want to do?"

"One more time!"

"Don't... You're so bad, be gentler!"