Chapter 6
1181 Words
"Zhang Yi replied, 'My name is Zhang Yi. I am here to arrange for a banquet of 500 tables. Is there any problem with that?'
The manager was surprised. This was the first time they had encountered such a request since the hotel opened.
However, with such a large order, they couldn't afford to turn it down.
"Mr. Zhang, 500 tables will cost over a million. If you need it, we will prepare it for you immediately, but we require a 200,000 deposit upfront."
Zhang Yi replied, "That's not a problem. Send me your account details, and I will transfer the money to you."
With money in hand, things became much easier. The manager agreed readily and added Zhang Yi as a friend, sending him the bank account details. Without hesitation, Zhang Yi transferred the 200,000.
After confirming the deposit with finance, the manager immediately instructed the departments.
"Hurry! We have a big order. Procurement needs to stock up quickly, and the kitchen should temporarily stop taking other delivery orders!"
"We have to prepare 500 tables for the customer within a day!"
...
On the other side, after hanging up the phone, Zhang Yi couldn't help but sigh, "Money might be useless in a month, but it's still needed for buying things now."
Between the inheritance from his parents and his savings, he had about 2 million in total.
Now, half of it was gone, which did sting a bit, to be honest.
But thinking about it, it was a good thing.
Many people had piles of money that turned into waste later.
Not everyone had the chance to spend their money.
"However, there are still many places I need money for. I have to find a way to get more."
Zhang Yi's eyes fell on his house.
The house was located in the central area of Tianhai City, with a size of 120 square meters, built ten years ago.
According to the current market, it was worth over 5 million.
"I got it, I'll mortgage the house. That way, I'll have the money I need."
Zhang Yi chuckled. Borrowing this money meant he didn't have to repay it, which felt great.
He immediately left home and went to the bank for a loan.
On the way, he received a message from Fang Yuqing.
"Zhang Yi, the weekend is so boring. I really wish I had someone to accompany me for a walk."
Zhang Yi glanced at it and tossed his phone aside.
He arrived at the bank to process the loan.
Because Zhang Yi's loan amount was substantial, and all his documents were in order, and he owned the house outright, the loan was quickly approved. However, the bank only approved a loan of 4 million.
Zhang Yi didn't bother negotiating since it was essentially free money, and he didn't have time to argue with the bank.
After signing the paperwork, the bank transferred the money to his account.
"Now, after spending over 1 million on the banquet, I still have around 5 million left," Zhang Yi calculated.
"Renovating the house should be enough. But I still need a lot of money for buying medicine, weapons, and other things. This might not be enough."
Zhang Yi rubbed his chin, pondering how to get more money.
At that moment, a guy with a yellow hair on the roadside noticed Zhang Yi lost in thought. His eyes lit up, and he walked over.
"Hey buddy, do you need money?"
Zhang Yi looked at the guy.
"Who are you?"
The guy's smile widened, lowering his voice, "I'm just asking if you need money now and the bank won't lend it to you?"
Zhang Yi understood the implication.
This guy must be offering high-interest loans!
Zhang Yi thought for a moment, playing along.
He sighed and pretended to be hesitant, "Yeah, my family's business urgently needs cash flow. But the bank..."
Zhang Yi paused, intentionally showing a troubled expression.
The guy understood instantly.
Anyone who could borrow money from the bank wouldn't come to a high-interest lender.
He said, "Yeah, getting loans from banks is tough these days! All sorts of restrictions, and the process is slow."
"But brother, if you urgently need money, I can help you out."
Zhang Yi cautiously looked at the guy.
"Can you really help? I need several million!"
The guy's eyes lit up at the mention of a big deal.
He took out a business card and handed it to Zhang Yi.
"Our company specializes in helping people in need of money. As long as you need cash, coming to us is the right choice!"
The business card read "Duo Duo Loan Financial Services Co., Ltd."
And the guy's name was Hu Minghua, a business manager.
Excitedly, Zhang Yi said, "Can you really lend me money? I need 5 million. As long as you can help me through this difficult time, I promise I can pay it back within three months!"
Hu Minghua chuckled, "This can be discussed. Our company is very capable, specifically to help people like you who lack funds."
"Let's go, let's discuss this at our company."
Zhang Yi nodded eagerly, following Hu Minghua to their company.
The so-called company was in a remote office building.
After entering, Hu Minghua took Zhang Yi to their boss's office.
The boss of this loan company looked burly but wore a high-end Benelli suit, trying to create a formal image.
However, there was a hint of ruthlessness between his brows.
Years of experience in society gave him that vibe.
Hu Minghua introduced Zhang Yi's situation to the boss, "Manager, this is a customer who wants to borrow money from us."
The boss, Chen Xiong, smiled and asked Zhang Yi to sit down.
"Mr. Zhang, how much money do you want to borrow?"
As expected of a loan company, the conversation was straightforward.
These companies had fewer restrictions compared to banks.
And they had ways to ensure you repaid the money, not worrying about defaulters.
Zhang Yi said, "I want to borrow 5 million."
Chen Xiong furrowed his brows, "Oh, that's not a small amount. But Mr. Zhang, let me make it clear beforehand; our interest rates are quite high. You should be prepared."
Hu Minghua added, "Mr. Zhang's business urgently needs cash flow. Once the business turns around, repaying the money won't take long. Right?"
The two of them echoed each other, all seen through by Zhang Yi.
He pretended to be eager and said, "Yes, I can repay quickly. The higher interest, the higher it is! As long as you can lend me the money."
Chen Xiong smiled, "That's good then. Our interest rate is 4%. If you borrow 5 million, you'll have to repay 7 million. So, you need to sign an IOU for 7 million first."
"Also, you must have valuable assets as collateral. Houses, factories, cars, all work."
Zhang Yi hesitated for a moment, then gritted his teeth and took out the property deed from his pocket.
This was what he used for a bank loan, conveniently on him. "My house is worth over
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