The richest man starts from a street stall

Chapter 123 The Uncle Who Owes Money
Xia Lan said with some concern: "Boss, they may press for the payment. Ten days of delay in payment is not a short time."

Chen Shi thought thoughtfully, but what the accountant said was not reasonable, but he still smiled and said: "If you are really urgent, you can give me an advance payment;

If that doesn’t work, change suppliers. Now we urgently need funds for development, and it’s not that we don’t have money to give them. "

His smile, in Xia Lan's eyes, is that of a profiteer, proud of his own ideas.

The accountant really doesn't know why the boss needs so much money.

For Chen Shi, pressing the payment for ten days can leave an extra one or hundreds of thousands of funds for planning.

At present, he is really short of money. He expects to rent a shop, and the rent, including the subletting fee, is nearly one million.

He planned to open two stores for the first time, but he couldn't take care of more, and at the same time, he didn't have enough funds.

In addition to the rent, it is also necessary to discuss clothing purchases with manufacturers.

acting?

Join?

No matter which way, plus shop decoration and distribution, it will require a lot of money.

Regarding the use of such funds, Chen Shi should tell the accountant about the general situation, and he should also tell him whether there is any risk of funds.

Financial analysis, profit distribution, the economic situation of the company, as the sole accountant of the company, perform these duties.

Xia Lan smiled gently and said, "No problem. In fact, our company's financial situation is good, and we don't have any debts. I'm not used to it."

The company's daily gross profit is too high, currently 10,000+ a day, tens of millions a year.

The company doesn't have many employees at all, just a few dozen, and its net profit is extremely high.

Based on the current profit situation, even if there is no increase in stores, it can still support hundreds of employees.

According to the several big companies she knows, the number of companies is 3000 to [-], and the annual sales value is more than one billion, but the net profit can be tens of millions. The boss laughed.

"I don't want to owe money either, but the company needs to develop, so there's nothing I can do." Chen Shi had no choice but to smile wryly,

"Besides, it's nothing to owe money for ten days. It's normal to owe money for one or two months."

"In the past few days, you ran to the lending institution. We don't have enough funds to open a store and need a loan. My car and the company's two cars can all be mortgaged."

"What procedures are needed, tell me when the time comes."

Chen Shi and Huo Ming talked a lot with those suppliers, and learned about private loans and bank loans from them.

Mortgage car loans are divided into mortgaged cars and non-secured cars.

Chen Shi's company wanted to use a car, so of course they didn't need to deposit the car, but the green copy of the driver's license and other documents were mortgaged.

Of course, identity cards and driver's licenses do not need to be seized.

For unsecured car loans, the loan amount calculation methods may be different in different banks or institutions.

For one of the banks, the limit = 80% to 150% of the residual value.

After calculation, it generally does not exceed the bare car price of a new car, about 80%.

The formula for calculating residual value is: naked price of a new car - 1 x age of the car

For Chen Shi's Wrangler, the naked car price is 45 yuan in the car purchase contract, and the car's age is one year, and the residual value is 1 yuan.

The loan amount he can get from the Wrangler is 35.2 to 40 yuan. The specific amount of loan he can get depends on in-depth assessment of personal assets and credit investigation.

The monthly interest on the loan is about 0.6% to 1.0%, and the National Bank is relatively low, maybe only 7%.

Of course, the minimum term of the loan is half a year, usually 24 or 36 periods.

If it is too short, the bank or institution will not be able to earn interest money.

For private institutions, the interest on loans is actually similar.

The bad thing is that the service fee makes a big difference.

Regular national banks or some large institutions may not charge service fees.

However, there may be other lower fees.

For example, the guarantee fee is 0.3%, and there is also 0.3-1% insurance for you to buy.

If it is a bank, it may be financial insurance, the amount is about 1%, and it is a one-time payment.

On the whole, in addition to the interest, the cost is about 1%.

If it is a private institution, it may be four to eight points, or even worse. Although the interest is low, the service fee is scary and you will be cheated accidentally.

All of the above are the experience of those suppliers or bosses. Sometimes, he even called to ask, and Chen Shi learned a lot from them.

Some are lessons of blood.

Chen Shi reminded the accountant Xia Lan, and the two discussed a lot about the loan.

After all, money is used, so it is right to be cautious.

The 80 available for the company account is estimated to be around 150 million if the supplier's money can be suppressed.

Three car loans, if successful, can be loaned to 60 to [-].

It is estimated that it will take a few days to find a store.

At present, the company's daily gross profit is about 15.

In this way, renting two shops is no longer a problem.

As for the manufacturer, the amount of funds that will be used is still uncertain, but it will not be small.

The two chatted for a while, and the accountant was busy.

In the next few days, several office staff in the company were very busy and worked overtime every day.

Huo Ming's work speed is also fast. For a few days, he ran outside, inspected, and found many suitable shops.

As for the balance of the goods, all suppliers have no problem, as long as they can give a part of the advance payment to ensure that they can buy materials and start work normally.

Chen Shi's company also stated that the company needs to develop and urgently needs funds, and the balance can be delayed for up to one month.

One month is nothing to business partners.

These suppliers have been to Chen Shi's company's store to inspect, and they know how popular his store is, and it lasts for many days, and they also know how profitable it is.

That's why these suppliers are so generous.

If Chen Shi was unlucky one day, it is estimated that most of these suppliers would come to collect debts that day, without showing any face.

As the saying goes, a friend in need is a friend.

When the scenery is shining, the people who surround you may not be regarded as really caring about you.

But at the moment of disaster, the person who is willing to lend a hand to help you is definitely someone you can trust.

Chen Shi didn't want to go to that step to test people's hearts. At this time, it would be good for these suppliers to help him and understand him.

In this way, Chen Shi can draw more than 100 million more funds in the future.

It's not difficult to mortgage the car. The company's cash flow is very sufficient. The bank that I applied to quickly agreed to a loan of 50 yuan. The procedures are in progress and it is estimated that it will take a few days to receive the payment.

Chen Shi didn't expect it to be done so soon, which is also a miracle.

I wanted to get a loan before, but I found it troublesome, so I didn't even bother to ask.

Think about it too, as long as he has no problem with his personal credit investigation, and the company has sufficient cash flow.

The bank can also check the bank statement of Chen Shi's company, and the daily income is 10,000+, which is a strong basis for showing strength.

On the other hand, under the impact of online platforms, banks are also under great pressure and lend money quickly.

If you borrow hundreds of thousands, you will have to wait a month or two before the loan can be disbursed. For a small business that is in difficulty, by the time you get the money, it is likely that the cucumber will be gone.

Therefore, some bosses would rather pay more service fees than take the path of bank loans. Loans are relatively slow. If you are lucky, go faster. If you are not lucky, just wait.

It may also be that Chen Shi's financial situation is good, and bank loans are much easier.

If it is really difficult to operate, it is estimated that lending will be very difficult.

He also wanted to try to owe money to the bank. He heard that the more he owed, the more respect he would get.

If you owe the bank tens of billions or tens of billions, you should also call the uncle.

A few more days passed without knowing it, and it was Saturday.

Chen Shi plans to inspect the shop today.

The salesman Huo Ming has been inspecting for a few days, found more than a dozen shops suitable for the company to rent, and asked about the price.

The person who went to inspect with Chen Shi today was Huo Ming.

Yuran has nothing to do on the weekend, and wants to meet Chen Shi.

Chen Shi wanted to go shopping by the way, so he agreed to take it with him.

Early in the morning, the three of them made an appointment to meet at the company office and set off by car together.

(End of this chapter)