Wang Ming, the bank's account manager, didn't react for a long time.

They were even more surprised when He Wenlin asked about the loan business!

He looked He Wenlin up and down and asked, "Excuse me, how old are you?"

“I am fourteen years old. I know I am too old to apply for a loan, but I own a small food factory, a breakfast shop and a fast food restaurant. I am not the legal representative, but I own 95% of the shares. I can ask the legal representative or my guardian to apply for the loan. But I would like to know about the loan process, such as how much I can borrow and how the interest is calculated.”

He Wenlin speaks slowly and deliberately, not at all like a child.

Wang Ming works at a bank and has seen many bosses, big and small. Although the little girl in front of him is still quite young, her eyes and demeanor do resemble those of a manager.

Peng Liang quickly testified for He Wenlin: "I am her employee, she is my boss, I can vouch for her."

Wang Ming said, "You need to look at the bank statements. The more statements you have, the higher the loan amount will be."

"How many months of bank statements do you need to see? My food factory has only been set up, my breakfast shop has been open for ten days, and my fast food restaurant has been open for almost two months, but my business license has only been issued for a little over a month. If I look at my current bank statements, will I be able to get a loan in December? What would the interest rate be?"

Wang Ming checked He Wenlin's bank account statements. Although the card was only recently issued, there was already a considerable amount of money in the account, currently totaling 55,000 yuan.

He Wenlin said, "Currently, my two stores plus the food factory have a daily turnover of about 4,500 yuan."

Currently, the combined daily turnover of the breakfast shop and the second shop is seven or eight hundred yuan. The daily retail sales of egg rolls are around one hundred yuan. Excluding Chen Dongping, the daily output of egg rolls is two hundred boxes, generating a revenue of one thousand three hundred yuan. The first fast food shop has the best and most stable business, and now it has never been less than one thousand nine hundred yuan a day.

However, He Wenlin spent a lot of money on equipment, so even after selling so many vouchers, she only had a little over 50,000 yuan left.

However, the bank system can also see the money coming in and out of He Wenlin's account.

Wang Ming was shocked.

He said, "You are underage now, so your guardian or the legal representative of your company or shop needs to come over for the loan. If your cash flow remains the same, a loan of 100,000 or so is possible. You should have your parent come over."

"What about interest?"

"You can have your parents come over, or we can arrange a time for me to come over."

As the company's account manager, Wang Ming also has deposit and loan targets.

He Wenlin was too young and not yet an adult, so he didn't dare to say too much to her.

"My dad and grandma haven't had time lately, Manager Wang, could you leave me your phone number so I can have my dad contact you?"

Wang Ming handed over his business card: "You can contact me for deposit and loan business."

"good."

He Wenlin put away the business card before leaving the bank with Peng Liang.

"Boss, are you really going to take out a loan?" Peng Liang asked.

"Yes, in business, who doesn't owe the bank some money?"

Loan interest rates shouldn't be too high now, and judging from what Wang Ming said, getting a loan of 100,000 shouldn't be a problem.

One hundred thousand yuan is enough for her to carry out her plans at the end of the year.

The next step was to persuade Grandma and Dad.

The older generation is very afraid of borrowing money, not only because of the interest, but also because they feel uncomfortable and unable to sleep at night when they are in debt.

Although her grandmother supported her, He Wenlin wasn't really confident she could persuade her to take out a loan.

But it's still early, let's talk about it after the National Day holiday.

After leaving the bank, Peng Liang went to Hongrui to pick up the dinner order details, while He Wenlin went to order two air conditioners.

The two air conditioners cost He Wenlin 5,600 yuan.

Five thousand six hundred was too much money and it was not safe to carry it with me. At that time, bank card payments were not yet widespread. He Wenlin agreed with the boss that after the air conditioner was installed, she would go to the bank with him to transfer the money.

He Wenlin is a regular customer of this electronics store; she has bought several freezers alone, and the owner recognizes her.

So after paying a deposit of 300 yuan, the boss agreed and said that the air conditioner would be installed the next day.

He Wenlin plans to install two air conditioners: one for fast food and one for the egg roll processing room.

Back at the fast food restaurant.

This afternoon's fast food A consisted of pounded chili and preserved egg, dry-pot cauliflower, and shiitake mushrooms and greens.

Fast food B consists of stir-fried pork belly and liver, dry-pot cauliflower, and mushrooms and greens.

He's father and Lin Fei already know how to make shiitake mushrooms and greens, but they're not yet good at stir-fried pork liver with pork belly, dry-pot cauliflower, and pounded chili and preserved egg. He Wenlin has to do it herself.

"I ordered two air conditioners today. One will be installed here and the other in the egg roll processing room. That way, it won't be so hot," He Wenlin said.

"You really bought an air conditioner?" Mr. He exclaimed in surprise. "How much did it cost?"

"Five thousand six. Peng Liang sold four thousand yuan worth of vouchers today."

Mr. He felt a pang of heartache. Five thousand six hundred was equivalent to five months' salary for someone who worked in a factory without eating or drinking back then.

“If you buy an air conditioner, how will you buy a car? Are you not going to buy a car?” Mr. He said.

“We need to buy a car too.” He Wenlin said while cooking. “Dad, I went to the bank today and asked. Based on our current income, we can get a loan of around 100,000 yuan. However, you and Grandma need to go together. The bank didn’t say how much the interest rate would be, but I think we can negotiate. If we calculate based on an annual interest rate of 10%, then 100,000 yuan would only have 20,000 yuan in interest over two years.”

"Only 20,000 in interest?" Mr. He said irritably. "You talk about 20,000 as if it were 20. Do you know how long it would take to earn 20,000 through working?"

"Oh, Dad, you can't do the math like that. A fast food restaurant can do without a car, but a food factory can't do without one. Right now, I just want to buy a car, so I'm being stingy."

Look how well our egg roll business is doing. If we set up a stall in a supermarket or night market, do you think business would be bad?

Right now, I don't have any money on hand, so I don't dare to expand.

Peng Liang's friend sells dozens of boxes a night on the antique street. If we set up a stall at the night market, how many do you think we could sell in one night? We sell them for nine yuan and fifty cents a box, and our profit margin is higher than his."

Mr. He paused for a moment, then asked, "What exactly are your plans for the end of the year?"

What do you think sells best at the end of the year and during the first month of the lunar calendar?

"Everything sells well during the Chinese New Year."

"Okay, then let me ask another question. When our family celebrates Chinese New Year, where do you and Mom mainly spend your money?"

Mr. He started calculating the costs: "Besides the New Year's goods, there's the whole family's cotton and thermal underwear, socks, shoes, and outerwear (outerwear and trousers)..."

At this point, Mr. He was startled and immediately realized: "You want to sell clothes and pants!"

"Yes! So we must have a car! With a car, we can drive the goods back and sell them for those ten days. Dad, do you know how many shops a single store can make during the month of Chinese New Year in our Tangkou County Commodity Market?"

"How many?"

"Just one stall, and on peak days, it can sell twenty to thirty thousand!"

"Twenty or thirty thousand!!!"

Mr. He and Lin Fei gasped, unable to believe the number.