Chapter 5: The Art of Negotiation

The next morning, Rishi woke up with a renewed sense of purpose. His conversation with Madan Lal had set the stage, but securing the investment was another challenge altogether. He had convinced the moneylender to listen, but now he had to ensure the deal worked in his favor. The Business System was his secret weapon, and he needed to use it wisely.

[System Notification]

New Mission: Finalize the Investment Deal

Objective: Successfully negotiate the best possible terms for the investment. Reward: Negotiation Skill +1, Business Acumen Upgrade. Penalty: Unfavorable contract, reduced investor confidence.

Additional Bonus: If you secure better-than-market interest rates, a bonus reward will be given.

Rishi smirked. The System wasn't just a passive tool; it rewarded intelligent decisions. He quickly checked his new stats.

[Host: Rishi Verma]

Business Strategy: Level 2 Market Analysis: Level 1 Persuasion: Level 1 Negotiation: Level 0 (Pending Upgrade) Available System Funds: ₹0

"Time to level up," he muttered.

He dressed in a neatly pressed kurta and headed out, making his way to Madan Lal's office in Chowk Bazaar. The building was modest but well-kept, with a large wooden desk at the center and stacks of account books neatly arranged on shelves.

Madan Lal greeted him with a knowing smile. "You're punctual. That's a good sign."

Rishi nodded, taking a seat. "A businessman's word is his first asset."

Madan Lal chuckled. "Let's see if your business skills match your words." He leaned forward. "I'll offer you ₹10,000 at 20% interest. Standard rate."

A new System Prompt appeared in Rishi's mind.

[Negotiation Mode Activated]

Suggested Counter Offer: Propose 10% interest with a revenue-sharing clause for early repayment. Risk reduced if venture succeeds quickly.

Rishi adjusted his posture, keeping his expression neutral. "20% is too high. I propose 10%, but with an additional incentive. If my business gains profits within six months, I will offer you a 5% share of the first year's earnings."

Madan Lal raised an eyebrow. "You expect profits that quickly?"

[Persuasion Check: Successful]

Investor confidence increased.

"I do," Rishi said with conviction. "I wouldn't waste your time otherwise."

Madan Lal tapped his fingers on the desk. "Fifteen percent interest, no revenue share."

A new System Option flashed.

[Counter Offer Available]

Accept terms. Push for 12% interest with flexible repayment and an extended loan duration.

Rishi chose the latter. "Twelve percent, with flexible repayment terms. I also propose an extended loan duration to reduce risk on both ends. Additionally, you'll have first access to any future investment opportunities before I go to another financier."

Madan Lal's eyes narrowed slightly. "A longer duration means I wait longer for returns."

Rishi leaned forward, his voice steady. "True, but it also ensures stability. If my business thrives, you gain long-term returns rather than a quick payout with higher risks. A flexible repayment structure means you don't lose your investment even if there's a temporary downturn. And let's be honest—you'd rather be part of something growing than just another short-term loan."

[Advanced Persuasion Check: Successful]

Investor confidence significantly increased.

The older man considered him for a long moment before exhaling sharply. "You drive a hard bargain, boy. Twelve percent interest, flexible repayment, and first investment rights on future projects. Done."

[Mission Completed: Finalize the Investment Deal]

Rewards: Negotiation Skill +1, Business Acumen Upgrade. Bonus Reward Unlocked: Quick Calculation Skill, Investor Trust Level Increased.

Rishi felt a rush of clarity. The System had recognized his smart negotiation tactics and rewarded him accordingly. This was just the beginning.

As he walked out with the signed agreement, he knew one thing for certain—he was no longer a desperate heir trying to survive. He was now a businessman making his first strategic move.

And the game had only just begun.