Chapter 92 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. When the market decline continued, the Shanghai Steel Federation was changing After the holding exceeded 18%, it was listed cleanly, achieving six consecutive daily limit.

Su Yu saw that after Shanghai Steel Union's stock price hit the daily limit, within ten seconds of the daily limit being closed, the price quickly increased to about 100,000 lots. 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 they made 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 treatment... 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 start-up stage, 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 take it too.”

He Qian laughed and said: "Boss Su is very generous, but...I don't have the ability you mentioned to hollow out the entire venture capital department of our company. Well, 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 cutting employment costs. I wish we, the bottom employees, could retire on our own."

After saying that, the other party went offline.

Su Yu thought that the company's team had grown a little bigger, 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?"

bother you for something.

He only had a one-time relationship with the other person, 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, turned off 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 Innovation Planning'. Last time, we said that we would invite 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 glass in front of Su Yu.

Seeing his humble attitude, Su Yu felt even more puzzled for a moment and asked: "Mr. Li, I don't like to beat around the bush. We eat and drink, but we still have to make things clear. My sister is in your company." At work, during this period of time, I also know that Mr. Li and everyone have taken good care of her. If Mr. Li needs my help, you might as well say it directly. I will definitely not refuse within my ability, but beyond my ability... Then There’s nothing I can do to help.”

"Mr. Su is quick to talk and a happy person."

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

"Mr. Qian?" Su Yu was stunned. He had no idea how this news reached Mr. Li's ears. After all, he only got to know Mr. Qian recently, and the other party...according to him As far as I know, judging from the industry that the other party is engaged in and invests in, it seems that he has no business dealings with a company like 'Yichuang Planning'. He couldn't help but ask, "Where did Mr. Li know that I have a good relationship with Mr. Qian?" ?”

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

Mr. Li did not speak, but the Vice President of "Yichuang Planning" next to Mr. Li continued: "I was present at the time and saw some of Mr. Su's... actions at the banquet, but Mr. Su probably had no impression of me. , after all, in the eyes of people like you, we are just transparent characters."

Su Yu glanced at the other person lightly, and really had no impression of this person.

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

"Oh!" Su Yu nodded slightly, "It turns out that President Zhou was there that night. No wonder..."

After a pause, Su Yu continued: "Mr. Qian and I only have a one-sided relationship. It's just because he thinks highly of me that he gives me a little favor. If what Mr. Li wants is related to Mr. Qian, then I I’m afraid it’s hard to be of much help.”

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

"I believe that the relationship between you and Mr. Qian is just a matter of words.

"The specific thing is..."

When Mr. Li saw Su Yu's refusal, he hesitated for a moment and hurriedly told the whole story: "We borrowed 11 million yuan in bridge funds from a loan company invested by Mr. Qian. It was originally agreed that the principal and interest would be returned when it was due in fifteen days. But because we used this bridge fund to clear the bank loan, there was a problem with the new bank's loan renewal, and the money was not released."

"Hey, speaking of this..."

"I don't know what's going on in the bank recently..."

"All bank loan approvals have become many times more difficult now. With the same qualifications, no matter how much connections you have, you just can't get approved."

"And we currently don't have that much liquidity on hand to repay Mr. Qian's loan."

"Moreover, once the company's existing liquidity is withdrawn, huge problems will arise in the company's operations."

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

"So, we would like to invite Mr. Su..."

Mr. Li almost begged: "See if you can see that we take good care of Xiaoshi and talk to Mr. Qian in private and grant us another ten days or half a month. As long as you can grant us a few more days, Even if the new loan cannot be paid, I will find a way to raise money to repay it."

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

What's more, I didn't expect that the bank's 'money shortage' phenomenon had already been revealed at this time before the central bank explicitly tightened monetary policy.

"Eleven million in bridge loan funding."

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. Let's just talk about my relationship with Mr. Qian. Even if the overall relationship is good, do you think my words are worth 11 million? And you asked me to talk to Mr. Qian about loan forgiveness and the like... Do you really think it's just a word?"

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

"What if you don't get the ten days or half a month you promised?"

"The principal of 11 million, plus interest, is a lot of money. Do you think that when you break the contract, Qian will continue to ask you for money and ignore me, or will he count me in the money?"

"In other words..."

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

When Mr. Li saw Su Yu clarifying his words, he smiled awkwardly. His face looked ugly, but in order to let Su Yu help, he coughed slightly and still kept his smile on his face and said, "Mr. Su, you are worrying too much, no matter what Is it me, Li Huiyuan, or the corporate credit of our 'Yi Chuang Planning'? From the moment our company was founded, there has been no stain on our credit. I admit, this matter is not a trivial matter, but for Mr. Su ...Actually, it’s not as serious as Mr. Su said. If you give us at most half a month, we will definitely be able to raise money.”

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

"But if I promise you and intercede on your behalf, then I will become your guarantor in disguise."

"In my opinion, you just want to use my credibility in the eyes of Mr. Qian in exchange for the consequences of your overdue payment."

"In other words, if I promise you, from this moment on, your overdue loan of 11 million will also be on me."

"Let's not talk about my relationship with Mr. Li. I only have an average relationship with your "One Creation Planning"."

"Even if the person you are looking for is a close friend of yours, Mr. Li, and a close partner in your 'One Creation Planning' business, I'm afraid no one else will bear such a guarantee risk, right?"

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

Although the other party has been emphasizing the issue of 'sharing risks', he has not explicitly refused to say, 'I have a bad relationship with money and cannot handle this matter'.

This shows that the news fed back by Mr. Zhou is correct.

The other party does have a good relationship with Mr. Qian, and he has the ability to help them with the "Yi Chuang Planning" guarantee, and he has the ability to help them solve this imminent matter.

Of course, how do you get the other party to agree and what conditions can you give to the maximum extent possible?

This is still the key.

"Mr. Su, our 'Yi Chuang Planning' currently has some cash flow problems, but the internal business operations are all normal and are developing at a high speed. Although 11 million is a lot, it is not worth the current value of the entire company. , In fact, it’s nothing.” Mr. Li pondered for a while, and then continued seriously, “We also know that although this matter is a shared risk for Mr. Su, but please believe us, Mr. Su, we will never Dragging you down.”

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

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

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

Mr. Li saw the contemptuous look on Su Yu's face after hearing about the 'guaranteed remuneration of 500,000 yuan', and knew that this man was indeed as he thought, a man with a profound background and powerful 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 couldn't help but continue: "If Mr. Li insists, for Yu Ling's sake, I can try to give the money to you and try my best to help you. The loan term is extended by half a month, but while I am betting on my credit, I also need Mr. Li to use the 50% equity interest in the company "Yi Chuang Planning" he holds as collateral for credit guarantee. In my hands, if your bridging funds are still not available after half a month, and the loan interest is transferred to me as the guarantor, then the 50% equity interest will also change hands, and 'Yi Chuang Planning 'The control of the company has naturally changed hands."

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

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

Upon hearing Su Yu's request, everyone at the "Yi Chuang Planning" fell silent for a moment.

Among them, Li Huiyuan looked 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 "One Chuang Planning", the valuation of 45 million in the venture capital market is worth it.

Su Yu used the extended guarantee of the bridge loan of 11 million yuan to seize 50% of the equity of "One Chuang Planning" and force Li Huiyuan to gamble to save the company.

This made Li Huiyuan feel a little insulted, but he was helpless for the moment.

The 11 million that the company borrowed from Mr. Qian's loan company was borrowed as a guarantee in his own name. If the loan was not repaid, the consequences... would not be as simple as simply being overdue.

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

I'm afraid that he himself will have to pay a price that he cannot bear. After all, loans from private institutions of more than ten million yuan are not so easy to obtain.

"Mr. Su..."

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

Su Yu directly interrupted him and continued to smile: "Mr. Li just said that I am a quick talker and can't turn corners. This is my only condition. If Mr. Li dares to bet, then I am naturally willing to take risks and If Mr. Li doesn’t dare to bet himself, and he invites others to bet together, doesn’t it seem like Mr. Li is being double-standard and going too far?”

With that said, Su Yu stood up with a smile and prepared to take Shi Yuling away together.

Today is different from the past. He has already established a rough foundation in Yuhang. Naturally, he no longer has to deliberately give any face to a boss like Mr. Li.

Even if the other party is furious and feels uncomfortable, there is nothing he can do.

As for Shi Yuling...

With his current connections and accumulated capital, where can’t he go after leaving the ‘Yi Chuang Planning’ company?

"Mr. Su..." Li Hui saw Su Yu's resolute attitude and knew that it was unrealistic to negotiate other conditions. He couldn't help but sigh softly and said, "Then we can only ask Mr. Su to help us." Chuangmao has survived this disaster, don't worry, we will pay back the money within half a month without causing any 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 it took less than 30 seconds to consider selling. 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 the company, 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, whether I stick to the industry track or expand into the entertainment media and advertising fields, there is a strong room for development. The other party came to me hard and begged to give the opportunity to me. , if I don’t answer, wouldn’t it seem like I’m too inhumane and blind-sighted?”

"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 get it together, 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 detaining 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.