When Song Tianyao asked George Xia to meet, George Xia had just finished meeting with an account manager of the Hong Kong branch of Chase Bank. At this time, he sat in Song Tianyao's factory office with his younger brother Harry. He looked down at his suit, watch, and ring on his hand, and felt that the gap between him and Song Tianyao on the opposite side was getting closer.

Last time when Song Tianyao met him and his younger brother Xia Harry, the two brothers, let alone gold jewelry and watches, were even old clothes from the Japanese period, and they could barely wear them on their bodies to support the storefront.

"Boss Xia, I attended a tea party yesterday and talked to other people who were preparing to do fake business. You will be responsible for their raw materials supply in the future." Song Tianyao waited for Fu Jiang's mother to send the coffee to leave, and then smiled at Xia George, Harry, opposite the desk and said, "I left the phone number and address of your store to them. I think they will contact you soon."

Xia Harry's expression was a little dissatisfied, and George Xia showed an unexpected expression on his face, and then he spoke to Song Tianyao with some gratitude: "Mr. Song, you can only do our hair business by taking care of you. Now I'm going to introduce our business to us. This is really... I'm so grateful."

"Everyone is kind and wealthy. I will take care of you, take care of me, I will ask you to meet you today. Actually, I want to ask you two for something." Song Tianyao gently stirred the coffee with a silver spoon and said.

George Xia pushed the frame of the gold-rimmed glasses: "Mr. Song, what do you need my help? Just open your mouth."

"That's right, eleven factories will start construction this time, and there may be some shortage of supply in the raw materials supply, so I want to rely on our good cooperative relationship to buy an additional batch of raw materials from you first to stock up." Song Tianyao stirred the coffee well, picked it up and tasted it, then looked at George Xia and said in a plain tone.

Xia Harry, who had not spoken next to him, changed his expression. He didn't care about Song Tianyao looking at the two of them and touched his brother's leather shoes with a very small amplitude. However, Xia George seemed to have not noticed it, sitting upright and looking at Song Tianyao calmly, his voice was sonorous and powerful, quite refreshing:

"Mr. Song has taken care of me, and I'm not hiding it from Mr. Song. We have indeed heard that other factories are going to start construction. We have stocked up some raw materials. Currently, there are 50,000 braids in the warehouse in Hong Kong. Mr. Song said, we are willing to supply 20,000 braids in your factory first, and the remaining 30,000 braids are left to other factories."

"Brother, we..." Xia Harry spoke anxiously next to him, but Xia George stopped his younger brother with his hands and continued. Xia George said firmly in front of Song Tianyao: "Without Mr. Song, how could we have the opportunity to do such a business? We can make less money, but Mr. Song speaks, you must help! Don't speak again!"

"Boss Xia looks like a Chinese, very loyal. OK, I won't make it difficult for you to make. I also know that the raw materials are so popular, and the price will fluctuate. In this way, these 20,000 braids were originally 20,000 yuan. Now I will pay 30,000 Hong Kong dollars. I will ask the lawyer to come and sign the formal contract later. At that time, other factories are dissatisfied with you giving me priority to supplying the goods. You can also use the contract to tell them that I, Song Tianyao, gave a high price, and you have no reason to not make money." Song Tianyao seemed to be infected by the emotions of George Xia, and said to George Xia with a slightly excited expression.

George Xia waved his hands repeatedly: "Mr. Song, just follow..."

"Brother, Mr. Song is considering it for us. He won't care about this ten thousand Hong Kong dollars. With the contract, we can explain to other factories." Xia Harry heard that George Xia wanted to refuse again, and did not care about what his brother said and refused to speak, and spoke again.

Song Tianyao also laughed: "Since your brother has already said, don't refuse anymore. Let Sister Yun arrange it later and complete the contract and transfer the money to your account. I don't need this extra 10,000 Hong Kong dollars. Compared with Boss Xia, this ten thousand Hong Kong dollars is worth a penny."

George Xia glared at Harry Xia angrily and said to Song Tianyao awkwardly: "Mr. Song, it's really..."

"No need to talk about it, you must consider yourself when doing business." Song Tianyao easily changed the topic to George Xia: "Your brother is right, you can't give me all the goods. If you don't make any money, wouldn't you become a philanthropist? By the way, I just heard you say that I'm busy meeting several banks recently? I'm preparing to take out loans to expand your business?"

"Take the fake business, and prepare to find some safe industries to do it." Seeing that Song Tianyao insisted, Xia did not refuse and followed Song Tianyao's words: "But the loan is really... the loan interest of foreign banks is low, but the procedures are very complicated, especially our brothers, who only have one grocery store. Because the hair business does not register a company, the bank does not believe in the flow of the flow in the personal account. The money from the Chinese silver bank bank has high interest rates and does not want to borrow."

Speaking of his recent loan issue, George Sha's tone was a little sad. He was an Indian and in the eyes of the British, there was no big difference between him and the Chinese in Hong Kong. Not to mention loans, even now, George Sha's accounts of both Standard Chartered and HSBC banks have not been opened. One reason is that no one can introduce him to him, and the other reason is that he helped the Japanese provide food during the Japanese occupation period, which made the British lack enough favorable feelings for him.

Song Tianyao lowered his head and lit a cigarette: "You are willing to provide me with the goods. I can ask HSBC friends to ask you about this, but how much are you planning to borrow? You also know that HSBC has always bullied customers with a large amount, and they are disdainful to do the money that is too small."

The business that George Sha was preparing to do was to make clothes. He carefully investigated in Hong Kong. Now, except for department stores selling clothing, the rest of Hong Kong is various tailor shops. Even suits need to be customized. The price is so high that it is scary. Many people who don’t have much money but want to wear foreign suits are scared away by the customization price. If you open a garment factory, pick up several popular clothes styles, and then open a store to sell them, it is definitely much cheaper than customized by foreign clothing stores alone. Moreover, when he was back to India, he deliberately traveled from Thailand, Myanmar, Vietnam and other countries. The garment industry in those countries is not developed. If his garment business develops well, he can produce it from Hong Kong and then sell it.

He calculated that if he opened a slightly larger factory, he would need to buy equipment such as garment car heads, sewing machines, etc. from the UK or the United States, plus factory buildings, water and electricity, labor, and even fabrics. If he wanted to open a clothing store himself and be responsible for the sales, he would have to hold at least 500,000 in his hand in the early stage. Now he has made about 100,000 yuan by making hair business. Putting aside the expenses, there are currently 70,000 Hong Kong dollars in the bank. If the raw materials demand for wig factories is large and the price is slightly increased, it will only take one or two years to make 400,000 yuan at most. This is why he has the confidence to go to the bank and want to find a loan.

At this time, because of his loyalty, Song Tianyao gave the raw materials to him first. He wanted to ask for help. Xia George thought about it and said to Song Tianyao: "500,000 Hong Kong dollars, I want to borrow 500,000 Hong Kong dollars."

"It's too little, no wonder you can't borrow money from a foreign bank. HSBC is calculated based on pounds. 500,000 Hong Kong dollars sounds too much, but in fact it's only less than 6,000 pounds. Even ordinary British account managers don't want to pay attention to this kind of micro-loan business." Song Tianyao shook his head and said helplessly: "The at least 10,000 pounds. The interest on HSBC's loan of 10,000 pounds is eight cents, and the interest on 20,000 pounds can be reduced to six cents. If you consider borrowing more, I can help. Too little, the British will not pay attention to you."

"Twenty thousand pounds are nearly two million Hong Kong dollars. The interest rate of six cents is very low, but... the amount is too large." George Xia was quite moved when he heard the interest rate of six cents. You should know that most Chinese people in Hong Kong now have a bank bank with a bank account of one cent and one cent. The lower interest rate is also one cent and six cents. The interest rate of six cents is already very attractive.

"Do you know how much I borrowed from HSBC for a fake business?" Song Tianyao flicked the ashes and made a gesture of six with his fingers: "I borrowed six million."

"HSBC is willing to lend you so much?" George Xia was stunned for a moment, then blurted out.

Song Tianyao smiled at Xia George: "I asked Mr. Chu for guarantee, and no matter how much I borrowed it, I can borrow it. Anyway, I can't pay it back. Mr. Chu needs to pay it back for me. With Mr. Chu's business, the bank wants me to borrow more. If you consider a loan from HSBC, I can sign a guarantee for you. It's impossible to have one or two million yuan. With my current business, I can still get it. Boss Xia, you are loyal and willing to give me the goods, so I will say this. If you need help, I call me, and I have no choice."

In the last few words, Song Tianyao said sincerely and sincerely.

"Okay, let me think about it. There are really few Chinese who are willing to help us Indians in Hong Kong. Mr. Song, I can't repay my kindness today." George Xia stood up excitedly and said seriously to Song Tianyao.

After signing a triple contract worth 30,000 Hong Kong dollars with Lou Fengyun, the two brothers of the Xia family said goodbye and left Song Tianyao's factory. It was not until they walked one or two hundred meters that Xia Harry smiled and said, "Brother, look at Song Tianyao's gratitude to you. It seems that you are right. Give him some sweetness and you can easily settle him? If you want to take out a loan, he will guarantee you."

"That's how it is to do business." Xia Georgia lowered her head and rolled up a cigarette: "If you rashly throw Song Tianyao away, it's unlikely, so why not give him some benefits."

"But what if Song Tianyao knew that we were actually ready to supply tens of thousands of braids for other factories?" Xia Harry thought of a question: "It's probably that guy would be angry, but he can't help it. After all, we have blocked his mouth with 20,000 braids, so he can't blame us directly."

"This is a problem. I really want to have a loan recently. Why not go back and study it. First, through Song Tianyao's hands, borrow a loan and sign a bank guarantee. If he wants to turn against me, it is unlikely. If we don't make money and cannot repay the bank loan, his business will be taken away by the bank. So even though I am not happy, I will be forced to tie the loan to our side because of the loan." Xia George put the cigarette roll in his mouth and said, "Chinese people pay attention to repaying the grace of water. I gave him 20,000 braids, and he was willing to guarantee the loan for me and earned 10,000 more Hong Kong dollars. This is the way for Chinese people to do business, and they are more used to emotional."

Xia Harry said with a bright smile: "Brother, you know the Chinese thoroughly. Chinese people are really easy to cheat. If you say some sensational words, talk about loyalty and friendship, the other party wants to treat us as confidants. They don't know, is business a business?"
Chapter completed!