My Strength Does Not Allow Me to Low-key

The reason why Celebrity Chef Manufacturing has such a great reputation is because their first investment promotion conference was a great success.

A total of 400 stores across the country have joined. It is said that they just wanted to open up 200 places to test the waters. Who would have thought that even giants like Yida would enter the market?

Moreover, the business of these 400 stores is booming across the country, and the daily net profit is quite astonishing. Almost most of the people present here are bank personnel.

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 know the flow of those stores very well.

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

And now Xiao Feng said that next year there will be a second Franchise Promotion Conference, and there are more than 3,000 merchants across the country who are interested in joining. From the eyes of the people present at these banks, this is definitely not bragging.

They really have such strength and such a profitable store. To be honest, if they have the ability, they all want to build one to join.

The quota for 1,000 franchisees is open, and the franchise fee will increase?

Even if it is based on the original franchise fee standard of 2 million yuan, the franchise fee alone is already 2 billion yuan!

Isn't the two billion yuan enough to repay the bank loans?

What's more, people still have advertising fees, decoration fees, and various ingredients and other messy expenses. If this franchise meeting is a big success, according to estimates, celebrity chefs will earn another three billion yuan. Not a problem.

So is this two billion loan still a big problem?

Obviously not!

"I plan to use this franchise 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 moment, all the representatives of the syndicate fell silent, there was indeed no problem at all!

It's just that when the time comes, you uncle, don't repay the loan in advance, that's good!

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

This is a potbellied representative of line X,

This guy obviously didn't read carefully the financing plan that President Feng gave them, because the financing and mortgage process was clearly written in it.

In terms of celebrity chef manufacturing, they plan to use the Twin Towers as collateral.

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

"Well, it's already written in the refinancing plan. We plan to take out 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 the question, the representatives of the syndicate pricked up their ears.

Obviously everyone even reads this issue very much!

"For the purchase of the Twin Towers this time, our Celebrity Chef Manufacturing intends to use 2 billion of our own funds, and the remaining 2 billion will be borrowed from the bank. Everyone knows our profitability, and as I said, we started The investment promotion plan, the first repayment and the second repayment source have already been established, and now we are very sincere in taking out the building as a mortgage. The quotation for the building is 4 billion, but you must also understand that this The building is definitely worth more than this amount, and it will only be higher. The discount rate of your bank’s mortgage financing is seven layers, and the discount rate I offer you is already close to half. It can be said that it is full of sincerity. I don’t know if you have any doubts. ?”

Since everyone was so concerned, Xiao Feng still explained it well, and now many people's hearts went back to their stomachs.

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

Xiao Feng had been worried about this issue before, and Xia Hongtao who was sitting next to him heard this question, and suddenly sat up straight, stared at that person, and then whispered to Xiao Feng's side.

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

Xiao Feng turned his head to look at him, and saw that his eyes were very confident, so he nodded.

"May I ask, which bank do you belong to?"

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

The man was taken aback when he heard this, and then replied, "I am a representative of Wave X Bank."

"X wave bank? There doesn't seem to be a branch in Bincheng, right? Besides, local banks, can you do business across provinces?"

"Well, we don't have a branch in Bencheng, but we have a brother fund company. I came here with their representatives this time. If possible, we can use other channels to raise funds for you."

The thin middle-aged man replied with some embarrassment, Xiao Feng couldn't help being a little annoyed when he heard this, you can't even give a loan directly, why are you here to join in the fun, he looked at President Feng a little angrily.

President Feng also scratched his head in embarrassment, and explained to him in a low voice: "X wave bank, you know Mr. Xiao, is the hottest private bank in Jiangsu and Zhejiang, with sufficient funds and relatively low lending interest rates, so I just..."

Of course Xiao Feng didn't believe it. President Feng did it out of good intentions. There must be something tricky between him and that bank.

"Let me introduce myself 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 here..."

After all, Xia Hongtao is an old fritter who often deals with banks and financial institutions. He has a lot of experience, and he has taken the initiative in the venue with just a few words.

"...Here, let me explain and explain to you! 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 do not intend to use this part as collateral. Representatives of banks and financial institutions who can accept our previous conditions can stay. If not, we can now left."

Xia Hongtao's strong words also opened Xiao Feng's horizons. After all, except for President Feng, he had never had much dealings with people in the financial world, 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 show such a strong performance was mainly related to the strong performance of the famous chef behind him.

If not, he would never dare to behave like this in front of bank representatives!

And as soon as he said these words, the people present at the meeting were silent, and then everyone stopped talking, and everyone knew that it was time to see the truth.

Negotiations are like this, the bank’s doubts and conditions, and other companies have explained to you, if you can accept it, you can stay, if you can’t accept it, you can leave.

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

"Okay, since everyone intends to continue to cooperate with us, I have a few questions. I would like to ask, what are the interest rates you can offer?"

Xia Hongtao went straight in, and the representatives of the major banks present couldn't help but frown. This guy doesn't play cards according to the routine!

Generally speaking, when it comes to the interest rate, even if it is a syndicated loan, everyone discusses it in private. What do you mean by asking in front of everyone?

"I might as well give you the bottom line. The loan interest rate between us and Binhai Bank is 30% lower than the benchmark interest rate. I hope that the interest rate you can offer will not be higher than this point. If you can't accept it, you can leave now , we can obtain funds through other channels.”

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

This knife is really cruel, but if you don't accept leaving the field, everyone is reluctant.

First, even if the interest rate goes down, everyone can still make money. Second, everyone is optimistic about the future development of celebrity chef manufacturing. If we can't cooperate with them this time, it may be difficult to cooperate in the future.

Now the financial industry is not easy to mix, everyone is facing the problem of shortage of high-quality assets and few high-quality customers, and celebrity chef manufacturing is a rare clean stream.

"Okay, since everyone has not left, it means that they can accept our conditions, but I have roughly looked at the banks and financial institutions present at the meeting. There are 13 in total, but in order to reduce our company's financial expenses and facilitate enterprises For the accounting, we decided that this time we will have the most, and only find five partners, then..."

The representatives of the banks and financial institutions present at the meeting couldn't help yelling psychologically when they heard this. This guy's conscience is greatly broken.

The meaning of what he said was clearly to let the thirteen companies present compete for the five cooperation spots!

How to compete? Let’s lower the quotation of the interest rate. If you don’t lower it, they won’t cooperate with you!

This kind of situation usually happens to the central enterprises, because they are the sons of the country, they have super bargaining power in front of the banks, and they can often get loans from the banks that are much lower than the benchmark interest rate.

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

After Xiao Feng watched Xia Hongtao's performance again, he couldn't help but sigh in his heart, this person really did not make a mistake, he really is a professional, professional skills MAX!

His appearance really helped him solve a lot of troubles!