Does a company have the ability to challenge banks? Of course it does, just like a company like Lao Ganma, which is not listed, delivers products on a cash-on-delivery basis, never defaults, and has billions in cash.

Such companies have low corporate debt ratios, large cash flows, relatively low loan risks, and cash flows that can bring in large amounts of deposit income, so banks are begging to lend to them.

Banks are not charities; their sole purpose is to make money.

The richer you are, the more willing the bank is to lend you money, because it expects you to help it make money. If you have no money, the bank is also reluctant to lend you money because it is afraid that you will not be able to pay it back.

It has always been so realistic.

A day later, Andy received calls from the bank one after another.

The conditions offered by First National Bank of New York were a loan of $2 million with a 0.3% interest reduction, and the airline's financial business must be contracted to them.

Andy simply gave up.

Citibank in New York called and offered to lend 3 million dollars with a 0.5% interest rate reduction. They also required that HD Airways receive all future cash payments from Citibank.

The other party's conditions were basically within the acceptable range discussed by Andy and Hardy. The offer of 5 million and the requirement for a 1% interest rate reduction were indeed a bit high, mainly to give the other party room to bargain.

The Bank of New York Mellon and First National Bank of San Francisco also made offers, which were almost the same as Citibank's conditions, while Bank of America's offer was slightly higher than theirs. The security business of Bank of America's Los Angeles branch was undertaken by HD Security. The two parties had a pleasant cooperation before, and Bank of America was willing to reduce the interest rate by 0.6%.

Andy and Hardy discussed that maybe they could choose Bank of America.

At this time, someone from Wells Fargo came to Hardy's door and asked to meet him.

The man was very polite when he saw Hardy and said, "Hello, Mr. Hardy. I am Henry Wells, the vice president of Wells Fargo Bank. I hope to talk to you."

"Of course no problem. I wonder what Mr. Wells would like to talk about?" Hardy asked the other party to sit down.

"Wells Fargo is willing to lend Mr. Hardy $4 million and reduce the interest rate by 1% to complete the deal, but hopes that all future financial transactions and cash flows of the airline will be handled through Wells Fargo."

Hardy glanced at Andy next to him.

Andy had told him before that if the interest rate was reduced by one percent, the bank would not make any money from the loan and no bank would agree to it.

Unexpectedly, Wells Fargo personally sent a vice president to approve the loan.

Henry Wells looked at Hardy and said, "Mr. Hardy, I believe you also know that if the interest rate is reduced by one percent, the bank loan will not make any money at all, and may even lose money. In fact, what we value is the cooperation with Mr. Hardy for the sake of success."

"Mr. Hardy now has three listed companies, Wash Mining, Playboy Magazine, and Barbie Doll Factory. You also own Maybell Television, Rocky Mountain Mineral Water, HD Security, HD Films, and are about to establish an HD Airlines."

"But you don't have a fully cooperative bank. You need to find a new bank to cooperate with every time you raise funds. Mr. Hardy, although Wells Fargo is only a local bank now, it has a very good reputation and a complete customer service system. Wells Fargo is willing to form a strategic partnership with HD Group."

Hardy finally understood Fuguo's purpose.

Now, these enterprises of his are regarded as hot cakes by many people, enough to attract the loyalty of a bank.

Wells Fargo is not yet the second largest bank in the United States with trillions of assets that it will become in the future. It is still just a local bank and has no advantages in the fierce competition. Its only advantage now is its good reputation.

It was not until the 1980s that Wells Fargo grew into a national bank. In the following two decades, it began large-scale mergers and acquisitions and developed into a global bank.

A customer like Hardy is definitely a super customer for Wells Fargo today, and he has huge room for growth. Wells Fargo really wants to win him over.

After receiving the conditions proposed by Hardy, several current Wells Fargo executives held a special meeting and studied the matter for a long time before making such a decision. They also sent Vice President Henry Wells to negotiate.

The purpose is to win over Hardy, this super big customer.

Hardy thought about it.

Wells Fargo is well-known for its service. If we can form a strategic partnership with it, my borrowing channels will be much smoother in the future, which will be good for me.

Even though Wells Fargo is just a local bank with operations in San Francisco, Los Angeles, and several other cities in California, it still has hundreds of millions of dollars in funds, so don't underestimate any bank.

"Okay, I agree." said Hardy.

Henry Wells was a little stunned when he heard Hardy's words. He didn't expect Hardy to agree so quickly. This was not a trivial matter. He thought that the other party would definitely discuss it with the team. Unexpectedly, after he proposed it, the other party only thought about it for a few minutes and made a decision.

Henry Wells said in his heart that Mr. Jon Hardy was very decisive, no wonder he could achieve such great success in just over a year.

Henry Wells was overjoyed. He stood up, shook Hardy's hand and said, "Thank you Mr. Hardy for your trust in Wells Fargo Bank. We will definitely serve you well in the future."

Hardy pointed at Andy.

"This is my financial advisor. He will be the main person in charge of contacting you regarding HD and Wells Fargo matters in the future."

Henry Wells quickly shook Andy's hand.

The matter was settled, but the specific procedures would still take some time, so Hardy didn't care about these. He only instructed Andy to publish an announcement in the newspaper that HD Airlines was established and was recruiting a president and management team.

Hardy then took Henry on a plane to Detroit.

Brigadier General Williams called and said he had contacted General Knudsen and that Hardy could visit at any time. He also gave him the address and contact information.

Yesterday, Hardy contacted HD's security chief Lanster and asked him to rush to Detroit, where they will meet and visit the veteran together.

The next day,

Hardy brought Lanster and Henry to visit General Knudsen's home. The old general was preparing to go fishing, and the fishing gear was placed in the back of the open jeep.

After the two sides met, the old general asked Hardy: "Do you like fishing?"

"I like it. Did you often go fishing in the river before you joined the army?" Hardy said.

"How do you like to fish?"

“I like lures.”

In this life, Hardy is not very good at fishing, but in his previous life, he loved fishing and had tried all kinds of fishing methods. The reason why he said lure fishing was because he saw that the fishing rod placed on the back of the old general's jeep was a lure fishing rod.

The old general smiled and said, "Ha, you like lures too, why don't you go fishing with me?"

"OK."

There were no outsiders around, so Hardy drove the car and the old general showed the way. The two drove for half an hour and arrived at a river.

Casting the hook to fish, the old general's technique is very skillful, but Hardy is not weak either. The two fished for more than half an hour, and Hardy's catch was no less than that of the old general.

Tired.

The two men sat by the river to rest, the old general smoked and Hardy smoked.

The old general looked at Hadi and asked, "What do you think about the future of HD Security?"

Hardy knew that the old general was testing him. He had seen too many former powerful figures like General Knudsen and he would never be easily tempted by tens of thousands of dollars. He could take the benefits, but he also needed the other party to have something attractive to him.

Hadi thought for a moment and said:

"Currently, security companies in various countries are mainly engaged in bank security and large corporate security business. In my imagination, the business of security companies is very broad."

"In my mind, the company's business can be divided into several major parts. The first is the basic business, which provides security forces for banks, protects money transport vehicles and vaults as well as bank branches, and provides security protection for large companies, such as airline security inspection business, jewelry companies, antique companies, and auction companies. These businesses are the cornerstones of the development of security companies."

"Second, we can cooperate with the police and serve as a supplement to the police to maintain local security and order, reduce police pressure, and also undertake the transportation and escort of suspects to the court."

"Last year, we cooperated with the Los Angeles police to conduct street patrols and combat violent crimes. Last year, the crime rate in Los Angeles dropped by 34%, which was a very significant result."

Hardy did not lie about this. Los Angeles is known as the crime capital. Since the cooperation between HD Security and the police department, the crime rate in the entire city has indeed dropped significantly.

Most importantly, he has the final say in the territories of the Jewish gang and the Bill gang. Crime in these places has decreased, and the data has naturally dropped significantly.

Whether it is chaos or not is still up to me.

"Third, we provide top-level security forces to celebrities, entrepreneurs, and politicians to protect their safety. We can also protect the safety of our companies in other countries. Some countries are more chaotic, and the local police alone cannot protect the safety of corporate property."

"Fourth, we will provide security forces to prisons to make up for the shortage of prison police. I also have an idea that in the future, prisons can be corporatized. The government does not need to intervene in prisons. The government only needs to pay for it, and the detention and supervision tasks will be handed over to the prison management company."

After hearing this, the old general turned around and looked at Hardy. He thought the three points that Hardy had mentioned before were very normal, but he had never expected Hardy to mention the corporatization of prisons.

"Anything else?"

"Yes, security companies can also serve federal law enforcement agencies, the State Department, the Department of Transportation and even the Department of Defense, providing security, consulting, military training, intelligence support and logistics."

"The security company has an independent intelligence department. I plan to develop it into an independent and powerful intelligence company that provides risk consulting and intelligence exploration services. It can also provide strategic business information for some large companies and groups, and provide strategic and tactical information analysis for multinational companies."

"You can also form mercenary armies and participate in local conflicts in other countries to protect local governments and even help them eliminate enemies."

"and......"

Hardy listed the items one by one, and the old general opened his mouth in surprise and didn't smoke for a long time.

Because some of what Hardy said was too advanced, the old general's thinking was still stuck in the World War II era. He didn't understand many of the things he said, but he felt that they were very likely to be realized.

The old general sighed in his heart that young people are very thoughtful.

After the fishing activity, Hardy had lunch at the old general's farm. The two chatted a lot and the old general had a very good impression of Hardy.

After dinner, Hardy said goodbye and left. From beginning to end, neither party mentioned signing a contract.

Two days later,

Hardy received a call from General Williams, who told Hardy that General Knudsen was very satisfied with Hardy and was willing to be a consultant for HD Security.

In the afternoon, Lanster flew to Detroit again and signed a consulting contract on behalf of HD Security and General Knudsen.

HD security has one more general to add to the pressure.

......