From Inheriting a Small Factory to Becoming a Global Financial Tycoon

Chapter 18 Smoother Than Expected

After bidding farewell to Su Zhixue, Lin Haoran returned to the office once again.

He checked his watch—it was only 5:00 PM, still early. At this hour, Yang Changdao would certainly still be at the office.

Sure enough, when he called Yang Changdao's office, the call was quickly answered.

"Uncle Yang, this is Lin Haoran," Lin Haoran identified himself directly after the call connected.

"Ah, Haoran, what can I do for you?" Yang Changdao asked curiously upon hearing Lin Haoran's voice.

"I would like to ask about the progress of the loan application," Lin Haoran said directly.

"Haoran, these things can't be rushed. I just finished organizing your documents today; they haven't been submitted yet.

Normally, after I submit them, the headquarters at Yumin Bank will dispatch an investigation team from Hong Kong to check your situation.

Once the investigation report is completed, headquarters will review it, and if everything passes, they will approve the funding.

This process takes time. Normally, the funds would be released between next Tuesday and Wednesday," Yang Changdao explained.

"Uncle Yang, to be honest, I urgently need the money to acquire stock in that listed company.

Is there any way to speed up the disbursement?" Lin Haoran pressed further.

After a moment of silence, Yang Changdao replied, "Accelerating it is definitely difficult, especially given the size of the loan—fifty million Hong Kong dollars.

Headquarters will pay special attention to this one.

However, given your situation, I do have a suggestion.

I could forge a guarantee letter from Mr. Lin Wanan.

The investigation team are all my people; I can make sure they handle it properly without actually disturbing Mr. Lin Wanan.

But you must ensure that if the guarantee letter somehow leaks out, your father would still acknowledge its validity.

Otherwise, it would cause trouble for both of us.

With Mr. Lin Wanan's name guaranteeing it, I can mark the file for expedited processing.

Once the internal review is completed, the branch manager could use special approval authority to release the funds much earlier.

If everything goes smoothly, we might even complete the disbursement by this weekend."

"Will Yumin Bank's headquarters call my father to verify? I don't want him to find out about this," Lin Haoran asked, voicing his main concern.

"Haoran, you don't have to worry.

Headquarters doesn't understand Hong Kong's local situation well; they won't interfere easily.

All investigation work is handled by a professional team dispatched by headquarters, and the team leader is a close brother of mine.

We have a deep relationship and look out for each other.

To be honest, half of the fifty-thousand-dollar tea fee is going to him.

So you can rest assured—we will handle everything properly," Yang Changdao said confidently.

From Yang Changdao's words, Lin Haoran could feel that for the sake of that tea fee, Yang Changdao was willing to go all out, pulling every string he could to accelerate the loan approval.

However, Lin Haoran also keenly realized that Yang Changdao's methods—sacrificing principles for profit—might lead to disaster for him someday.

After this transaction, Lin Haoran decided he would avoid further dealings with him.

The Hong Kong financial sector was vast, and with the government issuing more licenses, international financial firms would flood in.

As Lin Haoran gradually made a name for himself, he would have access to many more formal, reliable financing channels.

Keeping a clear head and choosing partners carefully was a path he needed to follow for his future success.

For now, however, this was unavoidable.

Besides Yumin Finance, no other institution would approve a fifty-million-dollar loan for him under current circumstances.

In this deal, Lin Haoran had cleverly exploited Yang Changdao's greed.

As for potential risks in the future, Lin Haoran had already planned contingencies.

Even if Yang Changdao was exposed for wrongdoing, Lin Haoran himself would not be implicated—he was simply following standard loan procedures.

The tea fee would be paid in cash, leaving no evidence.

As long as he repaid the loan on time after one year, everything would be fine.

As for whether his father would find out about this later, Lin Haoran wasn't too worried.

He believed that Yang Changdao and his people wouldn't leak the information.

By the time any truth emerged, Lin Haoran would already have firmly established himself in the business world.

By then, he would have enough strength and confidence to face any questions—even from his father.

Moreover, given how much his father doted on him, he might even have taken over as chairman of Wanan Group by then.

Therefore, Lin Haoran remained very calm.

"In that case, I'll trouble you to handle this, Uncle Yang. I'll wait for your good news," Lin Haoran said with satisfaction, ending the call.

Things were going more smoothly than he had expected; he had only intended to give it a try.

Leaving the office, Lin Haoran took Li Weiguo and Li Weidong and prepared to drive back to the Deep Water Bay villa.

After merging memories, Lin Haoran had fully embraced this world, including its family ties and friendships.

So while he wasn't too busy, he intended to spend more time with his parents.

Last night, he had already asked his father for permission to bring Li Weiguo and Li Weidong back to live at the villa.

After all, there were spare rooms on the ground floor.

Otherwise, it wasn't practical to keep them at a hotel indefinitely.

Without them nearby, how could they protect him properly?

In this chaotic society, even wealthy young masters like him were often prime targets for criminals.

Kidnapping incidents were all too common, and caution was necessary.

With Li Weiguo and Li Weidong by his side, he felt much safer.

Driving away from Central toward Deep Water Bay, they passed through winding mountain roads.

At this time, the Hong Kong Cross-Harbour Tunnel had not yet been completed, making the route to Clear Water Bay relatively inconvenient without a direct expressway.

This rare inaccessibility preserved Clear Water Bay's unique tranquility and isolation, making it a hidden gem—quiet, peaceful, and highly attractive to the rich and powerful.

It had become a favored hideaway for Hong Kong's wealthiest tycoons.

"

"Weiguo, Weidong, can either of you drive?" Lin Haoran asked casually while driving.

"Young Master, I've never driven a car before, but my brother has driven a tractor, so he should have some basic experience," Li Weidong answered quickly.

"In that case, tomorrow I'll arrange a place for you to practice driving and start working on getting your licenses," Lin Haoran said directly.

After all, it didn't make sense for the boss to drive his own bodyguards around.

It was time to fix that.

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