Chapter 93 Bridge Loan

In his patient waiting and contemplation.

Time passed 9:45, when the three major indexes of Shanghai Composite Index, Shenzhen Composite Index and ChiNext Index fell close to 1% again, and the major concept sectors in the two cities showed a sluggish attitude, and the market decline continued, the Shanghai Steel Federation was changing After the holding exceeded 18%, it was listed cleanly and achieved six consecutive daily limit.

Su Yu saw that after Shanghai Steel Union's stock price hit the daily limit, the price quickly increased to about 100,000 lots within ten seconds of the daily limit being closed. Knowing that there would be no setbacks at this daily limit, he stopped paying attention.

Then, he moved his eyes away from the stock market trading interface and scanned the main hot money group and classmate group he had added.

I saw that the topics everyone talked about, except for the Shanghai Steel Federation, were basically complaining that the market was difficult to trade, and they were trapped when making moves. They were similar, so they didn't pay much attention to them.

"Su Yu, are you really going to open a company?"

Just when Su Yu was about to close the chat box, He Qian sent him a message on the chat software: "Li Meng told me your plan and persuaded me, but I always find it a bit incredible. Your development It’s too fast!”

"The company has been registered." Su Yu replied, "Everything Li Meng told you is true. If you think about it clearly, come here. In terms of remuneration... Anyway, as long as the company doesn't collapse, you will definitely not be treated badly. You, as for development, we can only make progress together.”

"No problem, I have already promised Li Meng." He Qian said without any hesitation.

When Su Yu heard this, he was slightly surprised and replied: "Okay... you are welcome to join 'Yuhang Investment'. The company should be officially operational by the end of this month. If you can arrange it over there, you can do it as soon as possible." Prepare."

"Okay!" He Qian replied, "But I have a sister who also wants to change jobs. The girl we had dinner with last time you came to Magic City, I just don't know if your boss will accept her? She currently has There are also a few small projects under negotiation, but it is estimated that like the 'Mihayou' project, it will be difficult to pass the company's risk control review."

"Okay!" Su Yu had some impression of the person she was talking about, "Now the company is in its early stages, and it is a time when it is short of people. Don't mention bringing one person, even if you bring your company's venture capital If the department is hollowed out, I will accept it.”

He Qian chuckled and said: "Boss Su is very generous, but...I don't have the ability to hollow out the entire venture capital department of our company as you said. Okay, I won't tell you anymore...I will resign this afternoon. , If my guess is correct, the manager should approve it. After all, the current market situation is not good, and the company is also reducing employment costs. I wish we, the lower-level employees, could retire ourselves. "

After saying that, the other party went offline.

Su Yu thought that the company's team members had grown a bit, and he was very happy. He was thinking of contacting Qin Haowen to ask him about the recruitment status of other supervisors.

At this time, before he could dial the number, a call came in.

Su Yu took a look and saw that it was Shi Yuling's call, so he couldn't help but answer the call.

"Hey, brother Su Yu, are you free at noon?" Shi Yuling asked on the phone.

When Su Yu heard her question, he couldn't help but chuckled: "What? You've paid your salary and you want to treat me to dinner again?"

"It's not me!" Shi Yuling replied, "It's our boss, Mr. Li, who wants to invite brother Su Yu to dinner. Mr. Li just called you, brother Su Yu, but couldn't get through, so he asked me to call."

"Oh!" Su Yu knew that his mobile phone was set to reject stranger calls, so he didn't care. He smiled and said, "Mr. Li, you are looking for me. You must have something to do, right?"

Don't go to the Three Treasures Hall for anything.

He had only met the other person once, and more than a month had passed since the last incident. When the other person thought of him at this time, it was definitely not a courtesy, but most likely because he had something to ask for.

Shi Yulin paused and replied, "I don't know either."

"Okay, I should be free at noon. Ask Mr. Li to send me the dining location and I'll be there later." Su Yu knew that Shi Yuling was just a messenger, so he definitely didn't know anything. After pondering for a while, he thought For Shi Yuling's sake, Mr. Li agreed after meeting for a while without wasting much time.

Shi Yuling responded and then hung up the phone.

Then, a few minutes later, Shi Yuling sent him a piece of hotel location information.

Su Yu glanced at the time and saw that it was almost ten o'clock, so he didn't delay, closed the computer, tidied up, changed his clothes, and went out.

Because Li Meng drove the car out to go through the company's various certification procedures.

So, he came outside the community and took a taxi directly without sending a message to Li Meng.

And when he arrived at the restaurant where he was eating and entered the private room, he saw that in addition to Shi Yuling, the core figures of their company, including Mr. Li and Director Fu, were all present.

"Mr. Su, please sit down!"

Seeing Su Yu arriving, Mr. Li hurriedly stood up and greeted him personally.

Su Yu nodded slightly, then sat down next to Shi Yuling, and asked with a smile: "Mr. Li put up such a big show to welcome me today, I am really flattered!"

"Where, where..." Mr. Li chuckled and said, "Mr. Su has a destiny with our 'One Creation Planning'. Last time, we said that we would treat Mr. Su to dinner. Let's get together and get to know each other. I didn't expect anything about the company. There are too many, and it’s really my fault that it’s been delayed until now.”

With that said, he poured himself a glass of wine and punished himself with one drink in front of Su Yu.

Su Yu looked at his humble attitude and felt even more puzzled. He asked, "Mr. Li, I don't like to beat around the bush. Let's have dinner, but we still have to make things clear. My sister works in your company. During this period, I also know that Mr. Li and everyone have taken good care of her. If Mr. Li needs my help, please tell me directly. I will definitely not refuse if I can do it, but if it's beyond my ability... I can't help you."

"Mr. Su is a straightforward person."

Mr. Li praised him, paused for a moment, and said, "I heard that Mr. Su has a good relationship with Mr. Qian."

"Mr. Qian?" Su Yu was stunned. He had no idea how this news got to Mr. Li's ears. After all, He had only recently met Mr. Qian, and as far as he knew, the other party, with the industry he was engaged in and invested in, seemed to have no business dealings with a company like 'Yi Chuang Planning', so he couldn't help but ask, "How did Mr. Li know that I have a good relationship with Mr. Qian?"

"Last week, at the banquet at the Crown Hotel..."

Mr. Li didn't say anything, and the vice president of 'Yi Chuang Planning' next to Mr. Li took over the conversation: "I was there at the time and saw some of Mr. Su's... actions at the banquet, but Mr. Su probably has no impression of me. After all, in the eyes of a person like you, people like us are just transparent roles."

Su Yu glanced at the other party indifferently, and he really didn't have any impression of this person.

Seeing that Su Yu didn't know him, Mr. Li hurriedly introduced: "This is my business partner Zhou Yang, Mr. Zhou."

"Oh!" Su Yu nodded slightly, "So Mr. Zhou was there that night, no wonder..."

After a pause, Su Yu continued: "I only met Mr. Qian once, but he gave me some face because he thought highly of me. If what Mr. Li wants is related to Mr. Qian, then I'm afraid it's hard for me to help."

"Mr. Su is too modest, it's actually not a big deal."

"I believe that with your relationship with Mr. Qian, it's just a matter of a word.

"The specific matter is..."

When Mr. Li saw Su Yu refuse, he hesitated for a moment and hurriedly explained the whole story: "We borrowed 11 million bridge funds from a loan company invested by Mr. Qian. It was originally agreed that the principal and interest would be returned within 15 days. However, after we used this bridge fund to clear the bank loan, the new bank had problems with the renewal loan, and the money was not released. ”

“Well, speaking of this…”

“I don’t know what’s going on with the bank recently…”

“All bank loan approvals have become many times more difficult now. With the same qualifications, no matter how many connections you make, they just can’t be approved.”

“And we don’t have that much working capital at the moment to repay Mr. Qian’s loan.”

“Moreover, once the company’s existing working capital is withdrawn, there will be huge problems with the company’s operations.”

“We have tried our best to apply for new loans from various banks, and we are also looking for other familiar institutions to borrow money, but according to the current situation, it is estimated that it will take at least half a month or a month for the new loan approval and disbursement.”

“So, we would like to ask Mr. Su…”

Mr. Li almost pleaded: “See if you can talk to Mr. Qian privately for another ten days or half a month for the sake of our consideration for Xiao Shi. As long as you can give us a few more days, even if the new loan cannot be released, I will find a way to raise money to repay it. "

Su Yu didn't expect that the Mr. Qian he met was actually involved in the "financial loan" industry.

He didn't expect that when the central bank had not yet tightened the money supply, the "money shortage" phenomenon of the bank had already been revealed at this time.

"11 million bridge loan funds."

Su Yu pondered for a moment, whispered, looked up at Mr. Li, and said with a smile: "Mr. Li, this is not a small amount. Let's not say that my relationship with Mr. Qian is not as good as you think. Even if my relationship with Mr. Qian is good, do you think my words are worth 11 million? And you asked me to talk to Mr. Qian about loan grace or something like that... Do you really think it's just a matter of one sentence? "

"Okay, even if I can help you extend the loan period. "

"What if you can't pay it back in ten days or half a month as promised? "

"11 million principal, plus interest, it's a lot of money. Do you think that when you default, Mr. Qian will continue to ask you for money and ignore me, or will he count me in? "

"In other words..."

"Mr. Li, you are not asking me to help you, but to ask me to guarantee you and take the blame."

When Mr. Li saw Su Yu's words, he smiled awkwardly, his face was not good, but in order to get Su Yu's help, he coughed lightly, still with a smile, and said: "Mr. Su is worrying too much. Whether it is me, Li Huiyuan, or our "Yi Chuang Planning" corporate credit, from the moment our company was founded, there has been no stain in terms of credit. I admit that this matter is not a trivial matter, but for Mr. Su... In fact, it is not as serious as Mr. Su said. Give us at most half a month, we will definitely be able to raise the money. "

"I think Mr. Li is probably confused." Su Yu said with a smile, "This is not about whether you can raise money in the next fifteen days. "

"But if I agree to you and intercede for you, then I will become your guarantor in disguise. "

"In my opinion, you are just trying to use my credit value in Mr. Qian's eyes to exchange for the consequences of your overdue payment."

"In other words, if I agree to you, from this moment on, your 11 million loan that is about to be overdue will also be on my shoulders."

"Let's not talk about my relationship with Mr. Li and your "Yi Chuang Planning"."

"Even if the person you are looking for is a close friend of your Mr. Li and a close business partner of your "Yi Chuang Planning", I'm afraid others will not bear such a guarantee risk, right?"

When Mr. Li heard Su Yu say this, he hesitated for a while and suddenly understood the key point of the topic conflict between the two.

Although the other party has been emphasizing the issue of "sharing risks", he did not explicitly refuse to say "I don't have a good relationship with Mr. Qian and can't do this."

This shows that the news reported by Mr. Zhou is correct.

The other party does have a good relationship with Mr. Qian and is capable of guaranteeing them "Yi Chuang Planning" and helping them solve this urgent matter.

Of course, how to make the other party agree and what conditions can be given to the maximum extent.

This is still the key.

"Mr. Su, our 'Yi Chuang Planning' just has some problems with cash flow, but the internal business operations are normal and are developing rapidly. Although 11 million is a lot, it is actually nothing for the current value of the entire company." Mr. Li pondered for a while and continued to say seriously, "We also know that although this matter is a risk-sharing for Mr. Su, please believe us, Mr. Su, we will never drag you down."

"Moreover, as long as Mr. Su can talk to Mr. Qian, help us extend the loan period for another half a month."

"We can give Mr. Su a guaranteed reward of 500,000."

"500,000?" Su Yu laughed slightly contemptuously and said, "Mr. Li underestimated me!"

When Mr. Li saw the contemptuous look on Su Yu's face after hearing the '500,000 guaranteed reward', he knew that this person was indeed as he thought, a person with a deep background and a wide range of hands and eyes.

He couldn't help but ponder for a moment and was about to propose new conditions.

At this time...

Su Yu's eyes swept over Shi Yuling, then paused, and continued: "If Mr. Li insists, for Yuling's sake, I can try to speak to Mr. Qian on your behalf and try to help you extend the loan period by half a month, but while I'm betting my credit, I also need Mr. Li to use the 50% equity interests of the 'Yi Chuang Planning' company in his hands as collateral for credit guarantee and put it in my hands. If after half a month, you still can't pay back the bridge funds, and the loan rights are transferred to me as the guarantor, then this 50% equity interest will change hands, and the control of the 'Yi Chuang Planning' company will naturally change hands."

"Mr. Li is the actual controller and founder of the 'Yi Chuang Planning' company."

"If you have the courage and dare to take this bet risk to save the company, then I can naturally guarantee you and plead with Mr. Qian."

Hearing Su Yu's request, everyone at the 'Yi Chuang Planning' table was silent for a while.

Among them, Li Huiyuan's face was even more ugly.

Although the current economic environment is not good and corporate financing is particularly difficult, with the current business development capabilities and business revenue scale of "Yi Chuang Planning", the valuation of 45 million is worth it in the venture capital market.

Su Yu wanted to seize 50% of the equity of "Yi Chuang Planning" with the extension guarantee of 11 million bridge loans, forcing Li Huiyuan to gamble and save the company.

This made Li Huiyuan feel a little humiliated, but he had no way to do it for a while.

The 11 million funds that the company borrowed from Qian Zong Loan Company were borrowed by him in his own name. If he could not pay it back, the consequences... would not be as simple as a simple overdue payment.

At that time, not only would his company be unable to continue operating, but it would also completely change hands.

I am afraid that he himself would have to pay some prices that he could not afford. After all, loans from private institutions above 10 million are not so easy to get.

"Mr. Su..."

Li Huiyuan pondered for a moment, and was about to test Su Yu's bottom line again.

Su Yu interrupted him directly and continued with a smile: "Mr. Li just said that I am a quick-witted person who doesn't beat around the bush. This is my only condition. If Mr. Li dares to gamble, then I am naturally willing to take the risk and gamble with Mr. Li. If Mr. Li himself doesn't dare to gamble, and he drags others to gamble, doesn't that make Mr. Li seem too hypocritical and excessive?"

Speaking, Su Yu stood up with a smile and prepared to take Shi Yuling away.

Now is different from the past. He has established a rough foundation in Yuhang, so naturally he doesn't need to deliberately give face to a boss like Mr. Li.

Even if the other party is furious and uncomfortable, he can't do anything to him.

As for Shi Yuling...

With his current connections and accumulated capital, where can he not go after leaving the 'Yichuang Planning' company?

"Mr. Su..." Li Huiyuan saw Su Yu's resolute attitude and knew that it was not realistic to discuss other conditions. He sighed and said, "Then we can only ask Mr. Su for help to help us, Yi Chuang Planning, get through this crisis. Don't worry, we will pay back the money in half a month and will not be a burden to Mr. Su."

Seeing the other party's promise, Su Yu sat down again with a slight nod and said with a smile: "Since Mr. Li has such courage, I will naturally fulfill what I just said."

With that said, Mr. Li stood up and expressed his gratitude to Su Yu.

Afterwards, everyone at the table had lunch happily. In the afternoon, Li Huiyuan signed and stamped the prepared agreement documents and sent them to Su Yu.

After the other party fulfilled the conditions he said, Su Yu called Mr. Qian as promised.

Under Su Yu's guidance, Mr. Qian had already made nearly 3 million more profits from the Shanghai Steel Union, and he also heard that Su Yu had seized 50% of the equity interests in 'Yi Chuang Planning', plus 'Yi Chuang Planning' After the planning company repaid the bank loan, its net assets were worth a thousand or eight million, not to mention that it had signed so many market graphic models, so after considering it for less than 30 seconds, it was sold. He received a favor from Su Yu and extended the 15-day repayment period for Li Huiyuan and the company "Yi Chuang Planning".

"Thank you very much, Mr. Qian!"

Hearing Mr. Qian's promise to extend the stay, Su Yu smiled and said, "Next time, I'll treat Mr. Qian to dinner."

"Brother Su, to be honest, are you interested in the company 'Yichuang Planning'?" Mr. Qian smelled a hint of something else from Su Yu's words, "Otherwise, you can do this with 50% of their shares. Well? Apart from being useful for controlling companies, that thing has little liquidity and cannot be exchanged for cash in the current primary market."

Su Yu said with a smile: "'Yichuang Planning' has entered the e-commerce service industry track, firmly grasping graphic model resources with one hand, and expanding e-commerce brand operation planning with the other. It is on the right path, and its scale has also grown. With a certain first-mover advantage and moat, I will have strong room for development in the future whether I stick to the industry track or expand into the entertainment media and advertising fields. The other party came to me hard and begged to give me the opportunity. , If I don’t answer, wouldn’t it seem that I am too unkind and blind?”

"For half a month, are you sure that Li Huiyuan can't raise this money?" Mr. Qian said with some surprise.

Su Yu replied: "I'm not sure. I just thought that if this guy couldn't come up with it, I would take over his shares, which would be good. I didn't want to take advantage of him."

Mr. Qian was stunned when he heard Su Yu's words. He thought of the other party's vigorous and meticulous methods in stock market operations. He instantly woke up and knew that no matter what the other party's considerations were, Li Huiyuan must have calculated it correctly. In half a month, I couldn't raise so much money, so I came up with such a trick to make the other party willingly cede shares and give up control of the company. He couldn't help but smile and said: "It's not a swindle, but it's a deliberate move. This guy Li Huiyuan , I beg you for help, I’m afraid I’ll be tricked to death by you in the end, and I don’t know why.”

"Mr. Qian, don't you think of me too cruelly?" Su Yu chuckled, "I am really taking it openly and honestly. If he can pay back the money, then nothing will happen to me? And... Mr. Qian, don’t forget, I am seizing 50% of the shares to put pressure on the other party and help you collect debts!”

Mr. Qian was amused by Su Yu's logic and said, "So, if I can get back this 11 million loan, I have to thank Brother Su for his help. Did you help me get it back?"

PS: The plot is a bit stuck, let me straighten it out, and the bad words will be corrected tomorrow.