From Inheriting a Small Factory to Becoming a Global Financial Tycoon

Chapter 10 In Hong Kong, I Make the Decisions

At the normal 5% interest rate, if he only borrowed for one year, then after one year he would have to repay 52.5 million Hong Kong dollars.

Adding the fifty thousand Hong Kong dollars tea fee, it meant that besides the principal, he would need to pay an extra three million Hong Kong dollars.

This was not a small sum.

Originally, Huafeng Cement Factory made only around two million Hong Kong dollars in net profit per year.

But Lin Haoran didn't care.

A few million Hong Kong dollars was nothing. If he could successfully profit from the Wharf Holdings battle, it wouldn't just be a few percentage points of profit—it would be more than doubling his principal.

When he came, Lin Haoran already knew this negotiation wouldn't be easy.

Thus, he had fully prepared himself.

Lin Haoran believed that with the conditions he offered, Yang Changdao would surely agree.

"Haoran, give me a little time to think this over carefully," Yang Changdao said as he slowly drew a cigarette from the pack, lighting it in the office. The curling smoke wrapped around him as he fell into deep thought.

Seeing this, Lin Haoran had a pretty good idea of what was happening—he knew Yang Changdao's heart was wavering.

"Uncle Yang, please take your time. I completely understand and am willing to wait," Lin Haoran said, nodding respectfully.

A long while passed, and the cigarette in Yang Changdao's hand burned down completely. Yet he remained lost in thought, brows furrowed, unaware of the passing time.

It was only when a burning pain reached his fingertips that he jolted back to reality, hurriedly extinguishing the cigarette butt.

Yang Changdao took a deep breath, as if making a major decision. He looked seriously at Lin Haoran and said solemnly, "I will take the fifty thousand Hong Kong dollars in cash. As for the fifty million Hong Kong dollars loan, the term must be one year, and the annual interest rate will be 5%.

Both you and I know there's considerable risk behind this deal, so we can't make any concessions on the interest rate."

"Absolutely no problem. Once the transaction is finalized, I'll discreetly deliver the fifty thousand Hong Kong dollars tea fee to you, Uncle Yang, without causing any trouble!" Lin Haoran finally showed a broad smile.

Greed, indeed, was a human weakness difficult to overcome. Clearly, Manager Yang was no exception.

His goal had been achieved.

A one-year term was completely acceptable to him.

What he lacked now was startup capital.

After a year, he would already have many more financial tools at his disposal—perhaps even have secured the Wanan Group succession.

At that point, if he wanted a loan, he wouldn't need to approach minor finance companies like Yumin Finance—major banks would be lining up to lend to him.

For now, he was still an unknown young man, living under the shadow of his father, Lin Wanan.

He had to use this year to rapidly build his own influence in the business world and grow quickly.

In the Hong Kong of the late seventies and early eighties, opportunities were everywhere.

But in such a fiercely competitive environment, it was hard for an unknown to achieve great things.

As this loan negotiation showed, without his father's deep influence and his own unrelenting effort and persuasion, securing a fifty-million-dollar loan would have been almost impossible.

"Oh, and there's one more small request I hope Uncle Yang can help me with. Regarding this personal loan, I hope you won't tell my father about it—at least not within this year. After a year, whether you disclose it or not, it doesn't matter anymore," Lin Haoran said sincerely after a moment of thought.

"Why?"

From their conversation, Yang Changdao had already sensed Lin Haoran's extraordinary ambition and capability, realizing that this young man might very well achieve great things in the future. Thus, he was willing to listen to Lin Haoran's explanation.

Lin Haoran took a deep breath and slowly said, "Uncle Yang, I know my father has high expectations for me.

He doesn't want me to grow up solely under his protection. He hopes I can stand on my own and prove myself through my own strength.

This loan is to fund the acquisition of a listed company I've long targeted.

I want to complete it relying solely on my abilities, to prove myself both to my father and to myself.

So, I have my own development plans.

Within a year, I'll certainly repay everything I owe your company.

I hope you can help me keep this secret and give me the chance to prove myself."

In fact, Lin Haoran didn't want Lin Wanan to know because if he did, there was no way the loan would be approved.

Was he supposed to be satisfied with slowly developing Huafeng Cement Factory?

That was not Lin Haoran's style.

Even without winning the Wanan Group succession, relying solely on the cement factory would already grant him a good life.

But comfort and mediocrity were not what he sought. Lin Haoran aimed for higher peaks and broader horizons—he had ambitions far beyond the ordinary.

"Alright, I'll agree to it," Yang Changdao said nonchalantly.

It really didn't affect him at all. Keeping the secret was no trouble.

"By the way, Uncle Yang, how long will it take for the funds to be disbursed?" Lin Haoran asked.

"About a week. Once I submit the materials for review, there will be an investigation. A week should be enough," Yang Changdao replied.

"Can Uncle Yang ensure the loan will be approved?" Although Yang Changdao had agreed, Lin Haoran was still a little anxious.

Time was pressing. He needed the funds quickly.

"Don't worry. The investigation team here in Hong Kong is under my control.

Basically, I make the final call. I'll prepare the contract now. Let's get it signed," Yang Changdao said.

Since he had already agreed to the deal, he would naturally ensure everything went smoothly.

The next steps went much more easily.

Lin Haoran submitted all the necessary documents, and after formally signing the contract with Yang Changdao, he just had to wait for the funds to be credited.

"Uncle Yang, that's all for today then. I'll head back and wait for your good news. The fifty thousand Hong Kong dollars are ready anytime!" Lin Haoran said as he shook hands before leaving.

"Good. Once there's any update, I'll inform you immediately," Yang Changdao replied with a nod.

He now had a lot of preparations to make for handling this big deal.

Leaving the office, Lin Haoran finally let out a long breath of relief.

He was very satisfied with the outcome.

In the lounge, Li Weiguo and Li Weidong were sitting stiffly on the sofa, looking awkwardly at the tea table, as if it was their only safe focus point.

The unfamiliar surroundings made them extra cautious, afraid to move carelessly and disturb the delicate balance of silence.

Seeing Lin Haoran emerge, the two finally relaxed and quickly stood up.

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