"Weizi, I have something to discuss with you";

Ma Yibo called Liu Wei aside and found a place where no one was around.

"If you have something to say, say it, and if you fart, hurry up. Nothing good will happen if you act like this";

Liu Wei was also convinced of Ma Yibo's routine;

In just over a month, Ma Yibo's expression had deceived him many times, so he didn't want to be fooled.

"Weizi is not authentic";

"Who among us is following whom?";

"If you don't come here, you know how to fool honest people";

The two of them have been going back and forth. Over the past month or so, the relationship between Ma Yibo and Liu Wei has become better and more harmonious than when they were in school.

“It’s really something serious this time, it’s like this, I have a new project that I want to do, but I don’t have the funds”;

"The bank loan you mentioned just now reminds me, I want to use our Aunt Qin to get a loan from the bank";

"Of course, you can rest assured that the subject of the loan is Aunt Qin, but if there is a problem with my personal loan later, the bank will only come to me and it will not affect Aunt Qin";

"And for business loans, bank interest rates are also very low. I just want to discuss it with you. Do you think it's okay?"

Ma Yibo really didn't want to do this kind of thing unless he had to;

Although as Ma Yibo said, it does have nothing to do with other shareholders;

However, no one would think it was a good thing to take a loan for their own business, especially since the loan was not used for the development of Aunt Qin.

Liu Wei also fell silent at this time, not thinking why he didn't take him with him, or whether he wanted to leave him to make a fortune alone;

What I was thinking about was, once Ma Yibo took out the loan and invested, if it failed, would Aunt Qin be able to withstand this blow?

Even though Aunt Qin seems to be prosperous now, she is doing business without capital, using the money recharged by members;

Once there is a problem with the capital chain and there is no money to purchase goods, it will be a tragedy.

Aunt Qin can be said to be everything Liu Wei currently owns. Although his shares in it are not large, only 26%, this is already his entire income in the past few years;

However, if you disagree with Ma Yibo's request, will it affect Ma Yibo's next plan?

Liu Wei really couldn't understand his former classmate and current partner. The only thing he was sure of was that he was not cheated;

But Liu Wei didn't know what Ma Yibo wanted to do or what his plan was, and he didn't dare to ask;

Because he is worried that the other party's layout or ambition is too big and he can't bear it, so he might as well do his best every day now, as long as he can make money.

Why Liu Wei can be sure that Ma Yibo did not cheat him is because in the previous stock trading, he not only took him with him, but also distributed profits to him according to his share after leverage;

At the same time, during this period of getting along, although Ma Yibo felt that Ma Yibo was thinking about the problem very far;

But my feelings for people, or just for them, are still the same as before.

"Yi Bo, although I don't know what you want the money for, now that you have said it, I believe you will not cheat me. Besides, I don't have anything worth cheating. Even Aunt Qin's 26% stake, to be honest

, or you gave it to me”;

"If you want to borrow money, go for it, but if you invest, you must think about Aunt Qin's current situation and leave room for Aunt Qin";

"Don't say that if the loss doesn't involve me, even if you lose Aunt Qin, you were the one who defeated her. The worst we can do is start all over again."

Liu Wei said these words very sincerely, without any pretense.

"Good brother, don't worry, I will be ready for everything";

"The possibility of losing money just mentioned is just a worst-case scenario. The probability of success is still very high."

Ma Yibo was also deeply moved by Liu Wei's words. Having one or two close friends in a lifetime is enough!

"Hello, Manager Zhao, I would like to inquire about a business loan or a current loan";

After discussing with Liu Wei, Ma Yibo asked Wang Lifen to print out all of Aunt Qin's journals for this month.

"It's Boss Ma, I know you";

Manager Zhao from the Agricultural Bank of China looked at Ma Yibo and recognized him immediately.

Looking at Ma Yibo's confused eyes, Manager Zhao continued with a smile: "Aunt Qin's Boss Ma is definitely well-known in our Yike City";

Not only Aunt Qin’s background, but also Aunt Qin’s business, which is definitely one of the best at the south gate of Yike City;

Aunt Qin's shop looks clean and tidy from the outside, with professional staff, and its daily turnover puts the surrounding shops in awe.

"Haha, everyone is just here to make a living";

Everyone likes to hear nice words, and Ma Yibo is no exception, especially since these words sound just like the truth.

Because there is an Agricultural Bank of China business hall here in Yike City, and Aunt Qin’s public accounts are also handled at this branch;

Therefore, the first bank Ma Yibo chose for a loan was the Agricultural Bank of China here.

While chatting with Ma Yibo, Manager Zhao watched Ma Yibo hand over the information about Aunt Qin's accounting information and the balance of Aunt Qin's account, which surprised Manager Zhao;

I still remember that on the first day of Aunt Qin’s opening, there was a lion dance and a long queue. Manager Zhao also knew about it;

But I just think that the store selling vegetables is all about bits and pieces of money. I don’t think how much money can be made, nor how much turnover there will be;

But now that she saw this list, she was surprised;

Aunt Qin opened in September. Until today, in less than a month, the total income is more than 600,000 and close to 700,000, the total expenditure is more than 300,000, and the account balance is 340,000;

After calculation, 10,000 yuan is recorded in the account every day, although Manager Zhao also knows that most of this is money for members;

However, even if it is a member's money, it is still in Aunt Qian's account, and Aunt Qian has absolute control over it.

"Mr. Ma, I have seen this turnover. Although it is not three months old, we can see from the month our store has been open that our business is very good. Both operating loans and turnover loans are available."

"The interest rate on business loans is lower and the loan speed is faster";

"The amount of the current loan is larger, but the approval is faster, the requirements are higher, and the interest is relatively higher";

“These two methods mainly depend on turnover and personal credit report.”

Manager Zhao also wants to reach cooperation with Aunt Qin. Such a high-quality company should cooperate with it first when it is weak;

After growing up, once there is a need for funds, their bank will definitely be the first choice, and her performance will also improve accordingly;

You know, just this month, Aunt Qin used their bank's public account to collect payments, and gave their bank tens of thousands of reserved funds every day. She is a big fund owner.

"Manager Zhao, in our situation, which loan method do you think is suitable, what is the limit and how much interest can be paid?"

Ma Yibo never understood the various bank loans;

In particular, different loans target different customer target groups. This is the most direct and effective way to directly ask bank staff to recommend loan types that suit your needs;

Of course, this also requires meeting a more responsible salesperson;

Otherwise, if I don’t recommend good ones to you, but only recommend those that are of great help to his performance, then I will cry without tears;

The most important thing is to look at yourself. The staff only make suggestions. It is the client who makes the decision.

"Mr. Ma, how much money do you want?"

Manager Zhao said with a smile.

"500,000-1 million";

Originally, Ma Yibo planned to borrow 500,000 yuan, but now it is 500,000-1 million yuan. Even if there is a discount then, it will still be similar to his expectations;

The loan quota in 2012 is not the same as in 2021. The quota is calculated by the system's big data;

As long as your information is correct and the salesperson helps you try to get it, you will reach the maximum value of the corresponding loan limit range;
Chapter completed!