Hardy Empire 1945

Whether a company has the ability to challenge the bank, naturally, it is like a company like Laoganma. It is not listed, and the products are paid with one hand and delivered with one hand. They never default, and they have billions of cash in hand.

Such a company has low corporate debt ratio, large cash flow, relatively low loan risk, and cash flow can bring a lot of deposit income, so the bank asks for a loan to her.

Banks are not charities, all for the purpose of making money.

The richer you are, the more willing the bank is to lend you money, because he expects you to help him make money, but if you have no money, the bank is unwilling to lend you a loan, because it is afraid that you will not be able to pay.

It has never been so realistic.

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

The conditions given by the First National Bank of New York are that the loan is 2 million, and the interest is reduced by 0.3%, and the airline's financial business must be contracted to them.

Andy simply chose to give up.

Citibank in New York called, willing to borrow 3 million, and the interest would be reduced by 0.5%. It also requested that HD Aviation's cash go to Citibank in the future.

The other party's conditions are basically within the acceptable range negotiated by Andy and Hardy. The asking price of 5 million and the 1% interest rate cut are indeed a bit high, mainly to give the other party room to bargain.

Bank of New York Mellon and First National Bank of San Francisco also offered prices one after another, almost on par with Citibank, while Bank of America’s offer was slightly higher than them. The security business of Bank of America’s Los Angeles branch was undertaken by HD Security. Happily, Bank of America is willing to reduce interest by 0.6%.

Andy and Hardy discussed, perhaps choosing Bank of America.

Just then, someone from Wells Fargo came to the door and asked to visit Hardy.

The man was very polite when he saw Hardy and said, Hello Mr. Hardy, I'm Henry Wells, Vice President of Wells Fargo, and I'd like to talk to you.

Of course it's fine. I don't know what Mr. Wells wants to talk about? Hardy asked him to sit down.

Wells Fargo is willing to loan 4 million to Mr. Hardy, and is willing to reduce the interest by 1% to complete this business, but we hope that all financial business and cash of the airline will go through the Wells Fargo channel in the future.

Hardy glanced at Andy next to him.

Andy told him before,

If the interest is reduced by 1%, then the bank will not make any money for this loan, and no bank should agree.

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

Henry Wells looked at Hardy and said, Mr. Hardy, I believe you also know that the interest rate is reduced by 1%, and the bank loan is not profitable at all, and it may even lose money. In fact, what we are looking at is and Mr. Hardy for the cooperation.

Mr. Hardy now has three listed companies, Walsh Mining, Playboy Magazine, Barbie Toy Factory, and you also have Mabel TV Factory, Rocky Mountain Mineral Water Factory, HD Security, and HD Films. An HD airline is also coming soon.

But you don't have a fully cooperative bank. Every time you raise money, you need to find a new bank to cooperate with. Mr. Hardy, although Wells Fargo is only a local bank now, it has a good reputation and has a complete set of services. Customer service system, Wells Fargo is willing to form a strategic partnership with HD Group.”

Hardy finally understood the purpose of the rich country.

Now these enterprises of his have been regarded as sweet pastry by many people, which is enough to attract the loyalty of a bank.

Wells Fargo is not the second-largest bank in the United States with assets in the trillions of dollars. It is still only a local bank, and it has no advantages in the fierce competition. The only advantage now is its good reputation.

It was not until the 1980s that Wells Fargo grew into a national bank, and in the following two decades, it began to develop into a large-scale global bank after the road of large-scale mergers and acquisitions.

Customers like Hardy are definitely super customers for the current Wells Fargo, and there is huge room for growth. Wells Fargo wants to win him over.

After receiving the conditions set out by Hardy, the current helms of Wells Fargo held a special meeting, studied for a long time before making such a decision, and sent Vice President Henry Wells to negotiate.

Just want to win over the super big customer Hardy.

Hardy thought about it.

Wells Fargo is famous for its service. If a strategic partnership is formed, the channel for borrowing money will be much smoother in the future, which is also a good thing for me.

Even though Wells Fargo is just a local bank, it only has operations in San Francisco, Los Angeles and a few other cities in California, but the amount of funds can reach hundreds of millions of dollars, so don't underestimate any bank.

Okay, I agree. Hardy said.

Henry Wells was a little stunned when he heard Hardy's words. He didn't expect Hardy to agree so quickly. This is not a trivial matter. He felt that the other party would definitely discuss with the team. The other party just thought for a few minutes before making a decision.

Henry Wells said in his heart, Mr. Jon Hardy is so decisive, no wonder he has achieved such great achievements in just over a year.

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

Hardy pointed to Andy.

This is my financial advisor. In the future, HD and Fuguo will mainly be in touch with you.

Henry Wells quickly shook hands with Andy.

The matter is finalized, but the specific procedures will take some time, and these Hadi will not care. He only instructed Andy to make an announcement in the newspaper, HD Airlines was established, and the president and management were recruited externally.

Hardy then took Henry and boarded a plane to Detroit.

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

Yesterday, Hardy had contacted the head of HD security, Lanster, and asked him to rush to Detroit, where they would meet and visit the old general together.

the next day,

Hardy brought Lanster and Henry to visit General Knudsen's house. The old general was about to go out fishing with fishing tackle behind the open-top jeep.

After the two sides met, the old general said to Hadi, Do you like fishing?

I like it. Before joining the army, I often went fishing in the river? Hadid said.

How do you like to fish?

I like Luya.

Hardy in this life is not very good at fishing, but he likes fishing very much in the previous life. He has played all kinds of fishing. The reason why he said Lure is because he saw that the fishing rod behind the old general's jeep was a Lure rod. .

The old general smiled, Ha, you also like Luya, why don't you go fishing with me?

OK.

There were no outsiders, Hardy was in charge of driving, and the old general pointed the way. The two drove for half an hour to a river.

The old general was very skilled in throwing the hook and fishing, but Hardy was not weak. The two of them fished for more than half an hour, and Hardy's catch was no less than the old general.

tired.

The two sat by the river to rest, and the old general smoked a pipe and Hadi smoked.

The old general looked at Hardy and asked, What do you think about the future of HD security?

Hardy knew that the old general was testing himself. A former powerful figure like General Knudsen had seen too much, and would never be easily tempted by tens of thousands of dollars. The benefits could be taken, but he also needed the other party to have something to attract him.

Hardy thought about it and said:

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

In my mind, the company's business can be divided into several major parts. One is the basic business, which provides security forces for banks, protects cash trucks, vaults and bank branches, and provides security protection for large companies, such as airline security inspection services, jewelry The security of companies, antique companies, auction companies, these businesses are the cornerstone of the development of security companies.”

Second, it can cooperate with the police as a supplementary force for the police, maintain local security and order, reduce the pressure on the police, and can also contract the transportation and escort business of suspects in the court.

Last year we worked with the Los Angeles police, HD Security on street patrols and fighting violent crime. Last year, the crime rate in Los Angeles decreased by 34%, and the effect is very significant.

Hardy didn't lie about this, Los Angeles is known as the crime capital, and since HD Security and the police department cooperated, the crime rate in the whole city has indeed dropped significantly.

The most important thing is that he has the final say on the territory of the Jewish Gang and the Bill Gang. The crime in these places has decreased, and the data has dropped significantly.

Chaos or not is not what I have to say.

The third is to provide top-level security forces to celebrities, entrepreneurs, and politicians to protect their safety. It can also protect the safety of foreign companies in other countries. Some countries are more chaotic, and local police alone cannot protect the safety of corporate property.

The fourth is to provide security forces to the prison to supplement the shortage of prison guards. I have another idea. In the future, the prison can be corporatized. The prison does not need the government to come forward.

Hearing this, the old general turned to look at Hardy. He thought it was normal for Hardy to say three things before, but he did not expect the prison company that Hardy said.

Any more?

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, and I plan to develop it into an independent and powerful intelligence company, doing risk consulting and intelligence exploration, and can also provide strategic business information for some large companies and groups, and provide multinational companies with strategic business information. Provides strategic and tactical information analysis.”

You can also form mercenary groups, participate in local conflicts in other countries, protect the local government, and even help them clean up the enemy.

and also......

Hardy said one item at a time, and the old general opened his mouth in surprise and didn't smoke a pipe for a long time.

Because some of what Hardy said was too advanced, the old general's thinking was still in the period of World War II.

The old general sighed in his heart that young people have ideas.

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

After the meal, Hardy said goodbye and left, and neither party said anything about signing the contract from beginning to end.

After two days,

Hardy received a call from General Williams and told General Hardy Knudson that General Hardy was very satisfied with Hardy and would like to be a consultant to HD Security.

Lanster flew to Detroit again in the afternoon to sign a consultant contract with General Knudsen on behalf of HD Security.

HD security has an extra general to lead the line.

......