Chapter 304 Establishment of a Company

Zhang Xiuhua sighed. When Xu Chunying came back from delivering food in the evening, she asked her, "I plan to expand my business, but I don't have enough money. I want to borrow money from someone."

Xu Chunying thought for a moment and asked, "How much more do you need?"

"Twenty-four thousand!" Zhang Xiuhua blurted out.

Xu Chunying almost jumped up and cursed, "Do you think I'm rich? You dare to borrow 24,000 yuan just by asking? Even if you sell me, I can't get so much money."

Zhang Xiuhua rubbed her brows and asked, "How much do you have?"

"I can only lend you 2,000 at most." Xu Chunying told her not to think it was too little. "I can't compare with you. My family only relies on me and the child's father. You know our family income. We don't have that much money!"

Zhang Xiuhua shook her head, "Forget it, I'll think of another way."

Fortunately, she didn't expect her sister-in-law to help her through the difficult times. But she was a little confused, "Why do you only have 2,000? My brother has been working in the south for three years, right? 1,000 a year is 3,000. You invested in a chicken farm at home, and you also sell vegetables, so you should have 3,000, right?"

Xu Chunying didn't expect that she could calculate so clearly. Seeing her suspicious eyes looking at her, she hurriedly said, "Don't get me wrong. I didn't do anything stupid! I'm very tight. I deposited it for five years, and it's been two years. If I withdraw it now, all the interest I earned in the previous two years will be gone!"

Zhang Xiuhua breathed a sigh of relief. She thought Xu Chunying had been cheated. It was a time deposit, so that was not a big deal!

She slapped her thigh and said, "I'll go to the bank and ask if I can apply for a loan!"

Xu Chunying sighed after hearing this, "How dare you borrow 24,000 yuan at one time? You are so bold."

Zhang Xiuhua said nothing. Selling vegetables is profitable, but the profit of vegetables is too low, not as good as ready-made goods, especially oil, salt, sauce and vinegar, which are daily necessities and are used every day.

The next morning, Zhang Xiuhua went to the post office to apply for a loan. This time, no one helped her. No one was willing to lend her more than 20,000 yuan. Even if she changed the loan amount, the bank would not approve it because she had no collateral.

Zhang Xiuhua didn't want to mortgage the courtyard house. She would rather think of other ways to make money.

When she got home, Li Jianguo was back and had cooked three dishes. They were eating. When he saw her, he asked her to sit down and asked, "Where have you been? I didn't see you when I went to the orchard."

Zhang Xiuhua told him that she wanted to apply for a loan to expand her store.

When Li Jianguo learned that it would cost more than 20,000, his brows furrowed, "So much?"

"There's no other way. It's a full carload of goods. If we only transport half a carload, it's not cost-effective. It's a long journey from the south to the north. The freight is spread over the goods." Zhang Xiuhua asked him to help find a solution.

Li Jianxin thought for a moment and said, "I'll go to the village and borrow money for you. How much can you borrow?"

"My sister-in-law lent me 2,000 yuan, and Jianxin can also lend me 2,000 yuan." Zhang Xiuhua could only find these two people, no one else would work. Aunt Wang had no money, she had already used her money to buy a house for her son.

Li Jianguo nodded, "Then I'll go borrow from another place."

He thought for a moment and said, "Go talk to the village chief and the accountant and ask them to advance us part of the money for the chicken farm."

Zhang Xiuhua thought of her sister-in-law, "Our store is in competition with theirs. Will they agree to this?"

Her worries were not groundless. Li Jianguo just wanted to give it a try. "If they don't agree, we can only wait. We definitely won't be able to borrow the money."

Other families are poor, and the entire village may not be able to raise that much money.

Zhang Xiuhua nodded, "Okay."

After dinner, Li Jianguo and Zhang Xiuhua went to the village chief’s house together.

The village chief heard the purpose of the visit and took a puff of his pipe. "Your store in the county is doing well, but the vegetables are from your sister-in-law. If I agree to give you an advance on the money for the chicken farm, your business will be good, but other businesses will not be so good. Who will we sell our vegetables to?"

"Village head, that's not right. My store is far away from the stores where Xiaofeng delivers the goods. How can we delay their vegetable sales if we are not in the same place?" Zhang Xiuhua said with a smile, "There are so many supply and marketing cooperatives in the county, and each supply and marketing cooperative can correspond to a private vegetable market. Think about it, can one person take charge of all the supply and marketing cooperatives in the county?"

Zhang Xiuhua's words made sense. But competitors are enemies. The village chief was not convinced by her, but he gave her an idea, "You are short of money, I think you can sell your share in the chicken farm. This way you will have money to invest."

Zhang Xiuhua and Li Jianguo looked at each other. She just wanted an advance on money, but he actually wanted her to quit the chicken farm.

Zhang Xiuhua narrowed her eyes. "But in December, the chickens in the chicken farm have to be sold out. I can't give up the profits of the past two years."

The village chief nodded, "I know, you must have lost that money. I mean the money for the equipment. The equipment is 50,000, and you guys take 70%. The rest of us can only take 30%. If you sell the equipment, won't the money come? The villagers are happy to pay for your equipment."

Zhang Xiuhua no longer wants to raise chickens. The profit has been slim this year, and will be even lower next year. "Selling is no problem. But we need to negotiate the price."

The village chief's eyes lit up when he saw her agree, "The equipment is old and it's been three years. I think it's 40,000."

"No, I can't lose 10,000 yuan for nothing." Zhang Xiuhua felt that the old man was too cruel. Why did she have to lose money after investing for so long? "The minimum is 45,000!"

The village chief patted his knee in a pretentious manner and said, "Then I will hold a village meeting and ask for their opinions."

Zhang Xiuhua nodded, "Okay! Let them ask."

But she smiled and said, "I know you want to use the chickens to open up the market, but it's impossible for Xiaofeng to be the only one selling 10,000 chickens. My sister-in-law also has rights. She also has a share. And it's not low."

The village chief's face changed. Obviously, he didn't expect her to think of this.

Zhang Xiuhua smiled and said, "Village head, our village is the first to engage in wholesale. If the two of you engage in internal strife and price war, we will be the only ones to die. Instead of this, you two families might as well join forces. Then discuss with the villagers what vegetables to plant next year, so that you can continuously send vegetables to the county town. How much money each person invests can be calculated based on the share. Isn't this better?"

The village chief lowered his head and thought for a long time without answering.

Song Lianhua looked at Zhang Xiuhua several times.

After a long while, the village chief asked, "Does your sister-in-law agree?"

"Actually, my sister-in-law is at a disadvantage. She doesn't have as much money as you do. She certainly doesn't own as many shares as you do. But as long as she makes more money than before, she will definitely be happy."

If the two sides do not engage in a price war and calculate based on profit sharing, then the profit will indeed be higher. The village chief felt that cooperation would be more beneficial to his family, so he nodded and said, "Okay! Let your sister-in-law come over later and we will discuss it carefully."

Seeing that he was still being arrogant, Zhang Xiuhua sighed inwardly, "Okay! I'll tell her later."

After leaving the village chief's house, the two did not go to the accountant's house again.

Li Jianguo reminded her, "In fact, we don't have to sell the chicken farm equipment, we can advance it. We are in urgent need of money now. The chicken farm hasn't settled its accounts for two years, and there is a lot of money in the account. We can advance 20,000 or 30,000 yuan, and the accountant will definitely agree!"

Since the village chief wants to reconcile with the sister-in-law, he will not stop them.

Zhang Xiuhua shook her head. "Forget it. I don't want to raise chickens anymore. There are too many chicken farms in our county this year. I'm afraid there will be even more next year. By then, I'm afraid sales will be a problem."

The price of a courtyard house has soared this year, and it will definitely rise again next year. She sold the equipment, and the extra money would be good for buying a courtyard house.

Li Jianguo thought about it carefully and it was true. This year, we relied on eggs to sell together, but next year, there would be no such good thing. Everyone had to rely on their own ability. There was a real possibility that sales would go wrong.

I don’t know what Xu Chunying and the village chief talked about, but in the end both parties decided to set up a vegetable wholesale company.

The company is currently hiring four people, and each person's salary will vary depending on their position.

They divided the shares according to the amount of capital they contributed. The village head's family contributed 50 yuan, accounting for 25% of the shares, Xu Chunying contributed 25 yuan, accounting for % of the shares, and the accountant contributed yuan, accounting for % of the shares. The three families pooled together yuan of start-up capital.

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