"When did I say no? I should be able to help you think of a solution."

The president of the Los Angeles branch of Bank of America was named Babe Robinson.

Not everyone is qualified, which made him temporarily give up meeting with other people and personally receive the guests at the first opportunity. This shows that Han Chudong does have some ability, at least he is highly valued by the Los Angeles branch.

This was mainly because Han Chudong consulted about loans a few days ago, trying to borrow 40 to 50 million US dollars at one time, and had assets as collateral.

In this way, the loan task for the entire month of April can be completed in excess, which makes us definitely a VIP among VIPs.

According to the risk control department, they have rarely seen a company with such an astonishing increase in performance in just one quarter. Not to mention anything else, in the past ten days alone, Rainbow Beauty's corporate account has received nearly 20 million US dollars, but its expenses are also not small.

It even attracted the attention of the IRS, who thought that this 20-year-old Chinese man was helping others launder money. After investigation, they found that apart from the huge amount of revenue, there was nothing unusual.

Remember, it was only 1974, and the average monthly salary in the United States was only over $500.

It would be hard for Han Chudong to earn so much money without attracting the attention of the IRS, not to mention that he also set up the parent company in Puerto Rico, which made the IRS even more annoyed.

However, they were doing business cleanly and exploiting loopholes legally. After a secret investigation, nothing was found and the business has ceased.

In Baby Robinson's view, being secretly investigated by the IRS and not finding any problems in the end was a reflection of her extremely high credibility.

The loan proposed in advance would definitely be approved, but the bet agreement with the bank he managed needed to be carefully considered. He did not make it final, but added: "According to what you said, our bank will not lose money anyway. If the movie is successful, we can get an extra one million US dollars in interest. Even if it is not successful, you will repay the interest and principal according to the loan interest rate, right?"

"That's what I mean. I'm very optimistic about that movie and I'm definitely going to invest in it."

Han Chudong nodded as he drank his black tea.

After accumulating capital, banks are now begging him to lend money and open accounts, with deposit interest rates increasing and loan interest rates decreasing.

In addition, there are many other benefits, such as free upgrades, airport VIP lounges, private car pick-up, free use of golf courses, etc., which can fill up a whole piece of paper if listed.

With 24-hour butler service, you can call the bank directly if you need anything. Even unreasonable requests like delivering a pizza will be met.

No reason, it's because banks can earn millions of dollars in profits from people like them every year. The combined revenue of hundreds of thousands of ordinary accounts may not reach this scale.

As a heavyweight VIP, many things are easy to negotiate with the bank. Of course, once a problem occurs, the bank is often the first to turn hostile.

President Babe Robinson nodded and asked tentatively: "But you have already lent out so much money, isn't it enough to invest in a movie?"

"That money can be used for other purposes. I have my eyes on several European companies and plan to invest in them. Even if I get a loan from your bank, my company's overall debt ratio is less than 45%. Recently, someone advised me to sell Rainbow Beauty Company for 100 million US dollars. I am not going to sell it. You know how huge its revenue scale is."

Han Chudong sat on the sofa, crossed his legs and drank tea, and continued: "If you don't plan to gamble, it's okay. Help me increase the loan limit by 20 million US dollars, but you won't be able to earn the extra income of 1 million US dollars. As long as the global box office exceeds 50 million US dollars, I will pay this extra fee."

"...Okay, after I ask the headquarters, I will give you an accurate answer. I am definitely willing to support you, please rest assured.

As for increasing the loan amount, to be honest, your company is growing too fast. If there are professional credit rating companies such as Moody's, Standard & Poor's, and Fitch International to help provide estimated market value, I believe it will be easier to get a loan. "

"Okay, I'll try to contact them. Please let me know when I get the result. Please remember JP Morgan and Citibank, they have always advised me to go to them to handle my company's business." Han Chudong said this with a smile, put down the cup, stood up and stretched out his hand, and then President Robinson personally sent him to the elevator.

…

The crazy expansion of rainbow beauty continues.

On the day of the Oscars, the company's name was hung in a prominent place, spending more than one million dollars on advertising.

We usually advertise in newspapers and women's magazines. Now that we have achieved some results, TV advertising plans have also been put on the agenda. The initial budget is about 6 million US dollars.

Like those luxury brands, Rainbow Beauty's main marketing cost is also in advertising, spending money everywhere to attract consumers to buy.

Currently, we only sell facial masks. Lipsticks, toners, lotions and essences are under development. The number of employees in the product development department has unknowingly grown to more than 80 people.

Knowing that the women's products market is so profitable, with profits often more than ten times, Han Chudong decided to continue to dig deeper and began to enter the fashion industry, targeting European brands such as Gucci and Hermes.

In this era when female consumers are still rational, we are prepared to be the first to take over some luxury brand manufacturers that target minority consumer groups, and prepare for making money without doing anything in the future.

There is no wrong version in the 1619 book forum!

Due to the unexpected popularity of Rainbow Beauty, he has accumulated some capital for expansion. The best way is to increase the company's debt ratio and take out loans while buying assets.

————————

I found out that my company has not been favored by the three major rating agencies.

Han Chudong took the initiative to contact these companies, paid people to come and conduct an assessment, and asked the staff of the company's financial department to cooperate.

Before the funds are in place, we will entrust a third-party agency to go to Europe and contact the shareholders of those luxury companies to try to buy shares from them. The targets are Gucci, Hermès, and YSL. We will buy as many as we can and take our time with the rest.

Listed companies such as Chanel and LV are also within the target, but due to lack of funds, they cannot take too big a step at once.

With assets on hand exceeding 100 million US dollars, Han Chudong's Mason United Group is quietly carrying out a new round of expansion. With the help of President Baby Robinson, it took almost no effort and a full 50 million US dollars in assets were deposited into the corporate account of Mason United Group.

There is no news about the bet agreement yet. It is said that a shareholder at Bank of America’s headquarters feels that it is inappropriate, but the CEO has already nodded, and it is only a matter of time before a response is given.

In such circumstances.

Han Chudong first contacted the investment bank and took advantage of the decline in Intel's stock price to prepare to increase his holdings by approximately US$7 million.

He asked his subordinates to follow up, and he took more than 40 million US dollars on a United Airlines flight to Italy to personally handle the new business...