10:00 to 10:30, 3 cards; 10:30 to 11:00, 12 cards; 11:00 to 12:00, 38 cards; 12:00 to 1:00, 237 cards! 1:00 to 2:00, 229 cards! 2:00 to 2:40, 222 cards!
The number of online membership cards seems to have entered a growth phase starting at 11:00 AM, and continued to grow rapidly from 12:00 PM onwards!
Tang Wen also noticed another statistic: the video views for the "Brand Story" have exceeded 8,000!
She quickly opened the [Xu's Catering] account, which uploaded the video at almost the same time, and saw 17,000 likes, 3,200 shares, and 4,300 comments!
Could it be because of this video that the number of online membership cards has surged?
We have to talk to the store manager about this! If it really is because of the video, then the increase in membership cards will definitely be significant! He suddenly stood up from his seat, wanting to go downstairs to find Xu An.
Tang Wen had just taken a step when she suddenly remembered that Xu An had gone to run errands; it seemed he was going to a financing guarantee company to ask for their assistance with loan matters...
Tang Wen quickly picked up her phone from the table, found Xu An's number, and pressed the call button.
Hannan Financing Guarantee Company.
A loan of over one million yuan is not a small deal for this financing guarantee company, but it's not a huge one either. Therefore, the staff sent out were not particularly enthusiastic, but not impolite either, just unusually polite.
"Mr. Xu, I understand your situation. Based on your shop's operations, the current assessment is that your guarantee amount will be between 1 million and 1.2 million. For amounts exceeding 1.2 million, the bank will require fixed assets as collateral to process the application..."
The man took out a piece of paper with "Hannan Financing Guarantee Company" written on it, and quickly scribbled a black pen across it.
"Currently, the bank's one-year interest rate is 6.58%, and the rate for one to three years is 6.4%. We mainly handle loan guarantees for one to three years. Based on a loan amount of 1 million, the interest for three years would be 192,000 yuan. Our company's handling fee is half of the loan interest, so you will need to pay a handling fee of 96,000 yuan. Mr. Xu, do you agree to this?"
Xu An stared at the man for two seconds before asking, "Can't I apply for a one-year loan?"
The man wore a formulaic smile, his hands clasped together and resting on the table. He said in a measured tone, "Given your store's situation, we can only process loans for one to three years."
Now that he was the one asking for a favor, the initiative was in their hands. Faced with such a forceful refusal from the staff, Xu An had no choice but to accept that his shop wasn't a well-known large enterprise.
"If I decide to proceed, will the payment be transferred to my card on September 10th?" Xu An asked after a moment's thought.
"Hmm...time is a bit tight, it's not impossible, but there will be an express fee..."
The man didn't mention the specific cost of the express service, but from the drawn-out tone of his voice, it was clear that the cost was definitely not low, and the two suddenly reached a stalemate.
Xu An glanced at the man, then at the document filled with calculations, and finally at the huge clock hanging in the lobby. It was 12:32 noon, lunchtime.
"I need to think about it some more. I'll give you a more specific answer around 2 or 3 pm this afternoon." Xu An collected all the documents on the table, stood up, and then said this politely.
“No problem, Mr. Xu. Here’s my business card. Please contact me anytime after you’ve made up your mind.” The man handed the business card to Xu An with one hand, then suddenly lowered his voice and said in Xu An’s ear, “You need this project urgently. The processing fee will double every day you’re late. As you know, the bank’s approval process takes a long time. Even though our company has a partnership with the bank, we still have to go through the necessary procedures…”
Finally, the man gave Xu An a knowing look and then formally escorted him to the door.
Xu An had barely stepped out the door when the glass door closed behind him. Looking back, he saw the man had already turned and walked back into the company.
It seems my small request wasn't enough to impress this staff member, and their attitude was rather poor.
After leaving Hannan Financing Guarantee Company, Xu An had lunch at a nearby restaurant, then quickly pulled out his notebook and pen to analyze the situation. The guarantee company's handling fee was approximately 100,000 yuan, the intermediary's commission was 60,000 yuan, and his own membership recharge promotion was practically a zero-profit...
Hmm... all those actions I took not only didn't save me money, but I actually ended up losing money!
But I really need a larger office space now. My current office is too small, and I can't recruit the administrative, financial, and other important staff I need. Cooking the "Hellish Braised Food" is also a very tricky problem. Currently, we cook it and then move it to the back alley to air out and pack it up, which has already drawn criticism from the surrounding shops...
Moreover, the value of that shop far exceeds the handling fees, interest, and expedited fees; with fixed assets, if I ever need money urgently in the future, I can use the fixed assets as collateral to apply for a loan from the bank without needing a guarantor company...
Why!
After writing a large "Buy" on the notebook with his black pen, Xu An put the notebook and pen back in his bag, drank the lemonade in front of him in one gulp, got up and left the restaurant, heading towards Hannan Financing Guarantee Company.
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