Obtaining Money through Loans

Lin Xiao wore a calm expression and spoke in a steady tone into the phone, "My name is Lin Xiao. I plan to order 500 tables of banquet dishes. Is there any problem on your side?"

Upon hearing this, the hotel manager's hand holding the phone tightened slightly, and his face was filled with shock. Since the hotel opened, he had never encountered such a generous order. However, this was a huge order, and there was no reason to turn down a business opportunity that presented itself.

"Mr. Lin, 500 tables of banquet dishes will cost over one million yuan. If you're sure about the order, we'll start preparing immediately. But according to the procedure, we need you to transfer a deposit of 200,000 yuan first," the manager adjusted his state and replied politely and professionally.

Lin Xiao didn't hesitate at all and responded firmly, "No problem. Send me the account number, and I'll transfer the money right away."

With money, things go smoothly, and this principle holds true everywhere. The manager readily agreed, quickly added Lin Xiao as a contact, and sent the bank account number over promptly. Without batting an eye, Lin Xiao tapped on his phone, and the 200,000 yuan was transferred instantaneously.

On the manager's side, once he confirmed with the finance department that the deposit had been received, he immediately got busy and urgently gave instructions to each department.

"Hurry up! Everyone, be on your toes! We've received an extremely large order! The purchasing department, act quickly and stock up on supplies. The back kitchen, don't accept any other takeout orders during this period!"

"We must complete all 500 tables of banquet dishes ordered by the customer within one day, and the quality must also be strictly controlled!"

...

After hanging up the phone, Lin Xiao let out a soft sigh and murmured to himself, "Although money will be as worthless as waste paper in a month, we really can't do without it when it comes to buying things now."

The inheritance left by his parents and his own savings over the years amounted to only about 2 million yuan in his hands. Just like that, half of it was gone, and he couldn't help feeling a bit disheartened. But then he thought about it, and it might not be a bad thing after all. After all, many people held a large amount of money in their hands, but in the end, that money became completely worthless. Being able to spend the money while it still had value was somewhat of a stroke of luck.

"However, there will be many places where I need money next. I have to find a way to get more money," Lin Xiao thought to himself, and his gaze inadvertently fell on his own house.

This house was located in the prime area of the central ring in Tianhai City, with an area of 120 square meters. The community had been built for 10 years. According to the current housing price market, each square meter could be sold for more than 40,000 yuan. Calculated in this way, this house was worth at least over 5 million yuan.

"I've got it! If I use this house as collateral for a loan, I'll be able to get the money," Lin Xiao's eyes lit up, and a smug smile curled the corners of his mouth. Just thinking that this borrowed money didn't need to be repaid made him feel extremely comfortable.

Without delay, Lin Xiao quickly packed up and went out, driving to the bank to handle the loan business.

While the car was on the road, his phone "dinged". It was a message from Su Mengli: "Lin Xiao, I'm so bored on the weekend. I really wish someone could accompany me to go out and have a stroll."

Lin Xiao casually glanced at the message and then tossed the phone aside without the slightest intention of replying. At this moment, in his mind, getting money was the top priority.

When he arrived at the bank, Lin Xiao went through the loan procedures with ease. Since the amount of his loan was relatively large, all the relevant certificates were in order, and the house was purchased outright, the bank's review process went smoothly. Before long, the loan was approved. However, due to risk assessment, the bank only offered him a loan amount of 4 million yuan.

Lin Xiao didn't haggle over this. After all, this money was almost like free money, and he didn't have the leisure to bargain with the bank. After signing the documents readily, the bank quickly transferred the money to his account.

"Now, after deducting the more than 1 million yuan spent on ordering the banquet dishes, I still have about 5 million yuan in my hand. The money should be enough to renovate the house. But I still need to purchase a large quantity of medicines and weapons later, and this money may not be sufficient," Lin Xiao rubbed his chin and fell into deep thought, starting to rack his brains on how to get more money.

Just as he was thinking, a young man with dyed yellow hair passed by. Seeing Lin Xiao standing by the roadside with a thoughtful expression, his eyes immediately lit up. Like a hunter who had discovered his prey, he quickened his pace and approached.

"Hey, buddy, from the look of you, are you in urgent need of money?" The yellow-haired man wore a seemingly warm smile on his face and asked.

Lin Xiao looked up and sized him up, his tone tinged with a hint of vigilance, "Who are you?"

The yellow-haired man's smile became even more eager. He leaned forward and said in a hushed voice, mysteriously, "I'm just asking, are you in urgent need of money now, but the bank refuses to lend it to you?"

As soon as Lin Xiao heard this, he immediately understood in his heart that this guy in front of him was most likely a loan shark. In an instant, a plan quietly took shape in his mind.

Lin Xiao deliberately let out a sigh and put on a distressed and hesitant expression, "Alas, yes. There's something wrong with my family's business, and we're in urgent need of funds for turnover. But the bank..." Having said this, Lin Xiao paused, and the helplessness on his face became even more evident.

The yellow-haired man understood instantly and wore an expression of "I know how you feel" on his face. Anyone who could borrow money from the bank through normal channels wouldn't seek out loan sharks like them.

"Exactly! It's so difficult to borrow money from the bank nowadays. There are all sorts of rules and regulations. The procedures are cumbersome, and what's more, the loan disbursement is extremely slow," the yellow-haired man shook his head and said, "But buddy, if you're really in urgent need of money, I can actually give you a hand."

Lin Xiao pretended to be skeptical and looked at the yellow-haired man cautiously, "You? Are you really capable of doing this? I need several million yuan!"

When the yellow-haired man heard that it was a big deal, a gleam of excitement flashed in his eyes. He quickly took out a business card from his pocket and handed it to Lin Xiao with both hands.

"Our company specializes in rescuing people from financial distress. We're dedicated to helping people like you who are in need of funds. As long as you have a need, you can't go wrong by turning to us," the yellow-haired man, Wang Qiang, the business manager, patted his chest and promised.

Lin Xiao took the business card and saw that it read "Jisu Loan Financial Services Co., Ltd."

"Can you really lend me 5 million yuan?" Lin Xiao pretended to be excited and expectant, "As long as you can help me get through this difficult time, I promise to pay the money back within at most three months!"

Wang Qiang had a wide smile on his face and said confidently, "This matter can be discussed. Our company is very powerful. We're specifically here to help you solve your pressing financial problems."

"Come on, let's go to the company and have a detailed chat to finalize the contract and other matters," Wang Qiang said and warmly invited Lin Xiao to follow him.

Lin Xiao had an expectant look on his face, nodded, and followed Wang Qiang to their company.

The so-called company was located in a somewhat remote office building. After entering the door, Wang Qiang led Lin Xiao to the boss's office with ease.

The company's boss was named Zhao Meng. He was burly and sturdy, and the branded Kingkow suit he wore looked a bit out of place on him. It was obvious that he was deliberately trying to create an image of a formal company. However, the trace of hostility between his eyebrows still revealed his many years of experience in the society.

Wang Qiang introduced Lin Xiao to Zhao Meng, "Manager, this is the customer who wants to borrow money from us."

When Zhao Meng saw Lin Xiao, a smile immediately appeared on his face, and he warmly invited Lin Xiao to sit down, "Mr. Lin, nice to meet you. May I ask how much money you specifically want to borrow?"

After all, it was a loan shark company, and the conversation style was straightforward and blunt. Such a company was not formal in nature, so there were not so many twists and turns. Moreover, they had their own ways to make borrowers repay the money and were not afraid of the borrowers defaulting at all.

Lin Xiao took a deep breath and said, "I want to borrow 5 million yuan."

Upon hearing this, Zhao Meng frowned slightly, "Oh, that's not a small amount. But Mr. Lin, let me put it bluntly. Our interest rate is quite high, and you should be mentally prepared for that."

Wang Qiang chimed in beside him, "Mr. Lin, you're borrowing money for business turnover. Once your business recovers, you'll be able to earn this money back easily, right?"

The two of them played off each other, and Lin Xiao saw it all clearly. But on his face, he still pretended to be eager and said, "Yes, I'll definitely be able to pay it back soon. Even if the interest rate is high, it doesn't matter. As long as you can lend me the money."