In this way, as the monthly income increases, the gap that we need to fill will become smaller and smaller, until the company starts to generate its own blood after 6 months, and there is no need to invest anymore.”

He Shenghua nodded and said:

"Then how much more money is expected to be invested in total?"

Wang Qihang touched his nose and then said:

"At least 20 million more are needed! With these 20 million, plus our income of 50 million in the next six months, it will almost be enough to pay for advertising, staff salaries, and user interest income in the next six months!"

He Shenghua frowned and then said:

"Okay, I understand! You go ahead and do your work! Let me think about it!"

Wang Qihang said hello and turned around and left the office.

Xiang Li hadn't left yet. After struggling deeply in her heart, she still couldn't help but said:

"Mr. He, my suggestion is to take it slow!

The company has just invested 20 million, and now investing another 20 million, I think the risk is still too high.

What Wang Qihang said is that the company's performance will increase by 10% year-on-year every month, and then it can start making profits in 6 months.

What if the growth does not reach 10%? Or there is a decline in performance?

It doesn't take eight, nine months, or even a year to break even.

During this period, you still have to invest money into this bottomless pit until the company starts to make full profits.

You have to think about this matter carefully. If there is no turning back, it will put a lot of financial pressure on you.

Moreover, as the monthly loan scale increases, Jingrui Loan Company has to expand its sales team. Currently, it can barely support the new team of dozens of people by relying on its old business.

If it expands to 100 or 200 people in the future, then Jingrui Loan Company will not be able to cover its own profits and losses. You will still have to give blood."

He Shenghua's face looked a little ugly. Xiang Li's words were like a sledgehammer hitting his chest. He was still too optimistic.

He nodded to show that he understood and let Xiang Li go out first. He Shenghua sat alone on the large leather swivel chair and began to analyze.

At least 20 million is required!

Jingrui Loan Company still has more than 10 million in working capital, but it cannot withdraw too much of that money. The maximum withdrawal is 5 million. If too much is withdrawn, it will affect the normal operation of the company.

The family's savings last time were 20 million, and only 2 million was left to start the Jingrui Wealth Company. It cannot be touched, as it is for the daily expenses of my wife and daughter.

If it really doesn't work, then the only option is to mortgage a few houses or sell a few houses.

I own 6 fully-paid houses and keep one to live in. The other 5 houses can be sold or mortgaged.

House prices in Beijing have risen so sharply, so it’s better to take out a mortgage first! Selling a house is something you really don’t want to do, and you’ll do it only as a last resort.

The current houses in Beijing are about 40,000 square meters, and my five houses are more than 500 square meters, and the market value should be around 20 million.

With a 70% mortgage, it should be no problem to get 15 million. In addition, the loan subsidiary will take 5 million, and 20 million will be enough to scrape together.

A few days ago, Xu Zhiyun pretended to call me to inquire about the operation of Jingrui Wealth. I almost bit my tongue when I heard that I had a turnover of 200 million in the first month of going online.

My own Jingrui Fortune has only been in operation for one month, but its transaction volume has already caught up with Huaxin Investment, which was in operation for half a year.

Thinking that after I told Xu Zhiyun the 200 million turnover figure, his tone on the phone changed and everyone became confused.

Thinking of this, He Shenghua couldn't help laughing.

The advertising money was well spent, and within a month it had caught up with Huaxin, which had started first.

Go ahead! Spend another 20 million. This time I want Jingrui Fortune to shock the entire industry and appear on the center stage as a dark horse.

Either don’t do it, or do it the best way you can.

Xu Shenghua showed off the same fierceness that he had when he started a business and opened a loan company when he was young. At that time, he had nothing, and he only managed to get into the big scene today by daring to fight hard.

Now that I am middle-aged and starting my second business, I still have the energy to refuse to admit defeat.

He Shenghua made up his mind and quickly gathered the 20 million to make another bet.

lose?

If you lose, the big deal is that the company will be shut down and you’ll have to start over!
Chapter completed!