My Strength Does Not Allow Me to Low-key

The reason why celebrity chefs have such a great reputation is because of the great success of their first investment promotion conference.

There are a total of 400 stores across the country. It is said that they only wanted to open 200 places to try out the water. How can I think that even giant crocodiles like Yida have entered the market?

Moreover, these four hundred stores are now booming across the country, and their daily net profits are quite astonishing. Almost all of you here are bank staff.

So they have access to a lot of first-hand information. Many of the franchise stores made by famous chefs have accounts in their banks, so of course they can't know the flow of those stores better.

In their opinion, the profitability of this chef's production is different from the figures boasted about water injection in other project research reports. They are all real, and they may even be underestimated.

And now Xiao Feng said that the second investment promotion conference will be held next year. There are more than 3,000 merchants in the country who intend to join. In the eyes of these banks, this is definitely not bragging or drawing a big pie.

People really have such strength and such a profitable store. To be honest, if they are personally capable, they all want to start a franchise.

Open the quota of 1,000 franchise, the franchise fee will increase the price?

Even if it is based on the original initial fee of two million families, the initial fee alone is already two billion!

This two billion is not enough to pay off these bank loans?

What's more, people still have advertising costs, decoration costs, and various ingredients costs, and other messy costs. If this is a great success in joining the conference, according to estimates, celebrity chefs will make another 3 billion yuan. Not a problem.

Is this two billion loan still a big problem?

Obviously not!

"I plan to use this investment invitation fee as a second source of repayment, do you think it is acceptable?"

Xiao Feng smiled and asked the representatives of the syndicate present, but at this time all the representatives of the syndicate were silent, indeed there were no problems at all!

But when the time comes, you uncle, don't repay the loan in advance, that would be great!

"Well, Mr. Xiao, we don't have any doubts about the source of your repayment, but you also know that our bank approves loans and always needs some collateral. What do you think you plan to use to mortgage you?"

This is a potbellied representative of Bank X. This guy obviously didn't read it carefully. The financing plan provided by President Feng to them was written clearly in the financing and mortgage process.

As for the manufacturing of celebrity chefs, they intend to use the Twin Towers as collateral.

But this is also normal for these big bankers. How can the leaders have time to read your financing plan carefully?

"Well, it's already written in the refinancing plan. We plan to use the Twin Towers for mortgage financing."

Xiao Feng looked at the representatives of the syndicate and said, because he could see that when the fat man asked questions, the representatives of the syndicate pricked their ears.

Obviously everyone is very concerned about this issue!

"In this purchase of the Twin Towers, our celebrity chef manufactures intends to spend 2 billion of its own funds, and the remaining 2 billion will be borrowed from the bank. Everyone knows our profitability, and I also said that we will start. As for the investment plan, both the first and second sources of repayment have already been made, and now we are still taking out the building as a mortgage. We are very sincere. The building’s offer is four billion yuan, but you must also understand that. The building is definitely worth more than this number, it will only be higher. The discount rate of your bank mortgage financing is seven floors, and the discount rate I provide to everyone is close to half, which can be said to be sincere. I don’t know if you have any doubts. ?"

Since everyone is so concerned, Xiao Feng explained it well, and now many people's hearts have returned to their stomachs.

But there are still a small group of people who seem to be unwilling. A thin middle-aged man wearing glasses suddenly asked: "So, Mr. Xiao, have you ever considered that some of the shares made by famous chefs will be used as collateral? I think This will have a better effect, and it will be easier to raise capital."

Xiao Feng had been worried about this problem before, and when Xia Hongtao sitting beside him heard this problem, he suddenly sat up straight, stared at the person, and whispered beside Xiao Feng.

"Mr. Xiao, why don't you leave it to me next?"

Xiao Feng turned his head and glanced at him, only to see that his eyes were very confident, so he nodded.

"I take the liberty to ask, which bank are you from?"

Xia Hongtao came off the stage, and he was very imposing at the beginning, and asked the humanity directly.

The man was taken aback when he heard it, and then replied: "I am the representative of Bank X."

"X Wave Bank? There seems to be no branch in Ben Thanh, right? Besides local banks, can you take inter-provincial business?"

"Well, we don't have a branch in Bencheng, but we have a brother fund company. I also came with their representatives this time. If possible, we can finance you through other channels."

The middle-aged thin man replied in embarrassment, Xiao Feng couldn't help but feel a bit angry when he heard this. You can't directly give a loan. If you come to join in the fun, he glanced at President Feng a little angrily.

President Feng also scratched his head in embarrassment, and whispered to him: "X-wave Bank, Mr. Xiao, you know, is the hottest private bank in Jiangsu and Zhejiang. It has sufficient funds and low lending rates, so I just..."

Of course Xiao Feng didn't believe it. President Feng did it out of good intentions, and there must be some tricks between him and the bank.

"I will introduce yourself to everyone. I am the deputy CFO of the Famous Chef Manufacturing Group. My name is Xia Hongtao. This time I will accompany Mr. Xiao to come..."

After all, Xia Hongtao is an old fritters who often deal with banks and financial institutions. He has a lot of experience and has mastered the dominance of the venue in a few words.

"...Here, let me give you an explanation and explanation! Because we have the first source of repayment, and the second source of repayment as a guarantee, and we also take out the building as collateral, so I think our company's Sincerity is already sufficient. As for the shares, we have no plans to use this part as collateral. If the representatives of banks and financial institutions that can accept the conditions we put forward before, then we can stay. If we can’t accept them, we can now. left."

Xia Hongtao's words were very strong, and they opened Xiao Feng's eyes. After all, except for President Feng, he hadn't really dealt with people in the financial world before, and he didn't know how to deal with them.

And Xia Hongtao taught him a lesson today. Of course, the reason why he dared to be so strong is mainly related to the strong performance of the famous chefs behind him.

If not, he would definitely not dare to act like this in front of bank representatives!

As soon as he uttered these words, the people present at the meeting were all alone, and then everyone stopped talking. Everyone knew that it was time to see the real chapter.

This is how the negotiation is. The bank’s doubts and conditions are explained to you by others and companies. If you can accept it, you can stay, and if you can’t accept it, you can leave.

Now it is time for the major banks to understand the conditions put forward by the companies.

"Well, since everyone intends to continue working with us, I have a few questions. I want to ask, what interest rates can you offer?"

Xia Hongtao went straight ahead, and the representatives of the major banks present couldn't help but frowned. This guy didn't play the card according to the routine!

Generally, the interest rate is designed. Even if it is a syndicated loan, everyone has discussed it in private. What do you mean by asking in front of everyone?

"I might as well give you a bottom line. The loan interest rate between us and Binhai Bank is a 30% reduction in the benchmark interest rate. I hope that the interest rate you can give will not be higher than this point. If it is not acceptable, then you can leave now. , We can obtain funds through other channels."

The strong performance of Xia Hongtao made the bank representatives very uncomfortable. The benchmark interest rate dropped by 30%. Although the bank can still make money, the profit margin is much lower than expected.

This knife is really ruthless, but if you don't accept leaving, everyone is reluctant to bear it.

First, even if interest rates fall, everyone can make money. Second, everyone is optimistic about the future development of celebrity chef manufacturing. If you can't cooperate with them this time, it will be difficult for you to think about cooperation in the future.

Nowadays, the financial industry is not too mixed. Everyone is facing the problem of a shortage of good assets and few good customers. The production of celebrity chefs is a rare clean-up.

"Well, since everyone hasn't left, then it means that we can accept our terms, but the banks and financial institutions present at the meeting, I probably took a look. There are 13 in total, but in order to reduce our company's financial expenses~www. ltnovel.com~It is convenient for companies to do the accounting. We decided to find the most partners this time and only find five partners, so..."

The bank representatives and financial institutions present at the meeting heard this and couldn't help but yelled at them psychologically. This guy's conscience is greatly broken. This is it.

What he meant by saying this is clearly to let the thirteen companies present to compete for the five cooperation places!

How to compete? The quotation of lower interest rate, if you don’t lower, others won’t cooperate with you!

This situation generally occurs in central enterprises, because they are the pro-sons of the country. Central enterprises have super bargaining power in front of banks, and they can often get loans from banks at much lower than the benchmark interest rate.

But this celebrity chef is a private company, and it is so strong now, which makes everyone feel very uncomfortable, even a little uncomfortable to the extreme.

And after Xiao Feng watched Xia Hongtao's performance again, he couldn't help sighing that this person really didn't find a mistake himself, he was a professional, and his professional skills were MAX!

His appearance really helped him solve a lot of troubles!