She knew her age offered little credibility.
Children had no rights!
But it didn't matter; some things required concrete action to gain trust.
She planned to open a factory, and she knew that if she did it herself, she likely wouldn't even get the paperwork processed.
The sorrow of being a minor!
Therefore, Su Xiaotian had already considered her options: either use her father's name or her mother's.
This loan would, of course, have to be processed using her family members' identification information.
With this in mind, Su Xiaotian spoke with grace and composure.
"Director Du, I'm currently facing some financial difficulties and would like to apply for a loan of fifty thousand yuan, with a repayment period of one year. What do you think?"
When Su Xiaotian stated the sum of fifty thousand yuan so earnestly, Director Du almost dropped his teacup.
What was this little girl saying?
Fifty thousand?
Was she sure she meant fifty thousand, not five hundred, not five thousand?
He instantly felt that he might become the best performer among the branch banks this year.
If he performed well, could he possibly get a promotion?
After a moment of excitement, Director Du suddenly realized a problem.
A young girl, asking for fifty thousand yuan right off the bat, didn't seem entirely credible. Was she perhaps trying to amuse him?
"Little Ya... oh, young comrade, how old are you? Are you an adult?"
Su Xiaotian: "..."
So, she still wasn't trusted.
"Director Du, please don't let Xiaotian's age fool you; she's a person with great ambition. To be honest, several of our factory's business deals have been successfully concluded with Xiaotian's help!"
Factory Director Lü immediately stepped in to vouch for Su Xiaotian.
Su Xiaotian smiled and said, "I know my age is a bit young, but my intention to apply for a loan is absolutely genuine."
"Young comrade, even if you genuinely want a loan, I wouldn't dare process it for you!" Director Du said with a wry smile.
What if this young girl took out a fifty-thousand-yuan loan and couldn't repay it?
"Director Du, when processing the loan, can it be done in my family members' names? The property for collateral is mine."
Su Xiaotian proposed this suggestion after some thought.
That might be acceptable.
Director Du now felt more inclined to believe that Su Xiaotian genuinely intended to apply for the loan.
Wait, this young girl said the collateral property was hers?
How old was she to own property?
"Young lady, if you want to loan fifty thousand yuan, the value of the collateral should be roughly equivalent."
Su Xiaotian knew that it wasn't just about equivalent value, but that the collateral's worth needed to exceed the loan amount.
"My factory in the suburbs is already taking shape, along with a two-courtyard siheyuan in the city. Do you think that would suffice?"
When the siheyuan was purchased, it cost twenty thousand yuan, but in the two years since, its price had doubled.
Combined with her factory in the suburbs, there shouldn't be too much of an issue.
Hearing Su Xiaotian's statement, Director Du felt somewhat reassured. If she could provide such substantial collateral, there was nothing to worry about.
"That could indeed work," Director Du nodded in agreement.
Things progressed quickly. Three days later, Su Xiaotian, accompanied by Liang Xiu, went to handle the loan procedures.
Factory Director Lü accompanied Su Xiaotian throughout the loan application process.
Liang Xiu was quite anxious about her daughter applying for a loan. She truly worried about what would happen if they couldn't repay it.
"Xiaotian, why don't we just not apply for the loan? If we lose everything, we won't even have a house!" Liang Xiu pleaded earnestly.
Su Xiaotian smiled and comforted Liang Xiu.
"Mom, it won't happen. I'm confident the factory will make money."
Su Xiaotian couldn't guarantee exactly how much the factory would earn in a year.
However, she had no doubt that it would be profitable in the long run.
As for repaying the loan, Su Xiaotian wasn't worried; she had other sources of income.
At the very least, she could still go antique hunting.
Within a year, Su Xiaotian could go antique hunting five or six times.
With Su Xiaotian's good luck, she found something valuable every time.
But Su Xiaotian gradually discovered that going too frequently meant she couldn't find good items.
This showed that luck wasn't inexhaustible.
Therefore, she settled on visiting antique streets about every two months, always coming away with good finds.
Su Xiaotian had no intention of abandoning this source of income.
In this era, an income of over a hundred thousand yuan a year was no small sum.
Liang Xiu still wanted to persuade her, but seeing Su Xiaotian's determined expression, she knew she couldn't change her mind.
Since she couldn't dissuade her, she decided to go along with her wishes.
Liang Xiu began to calculate how much she and her husband could earn in a year.
As she pondered, Liang Xiu felt that she and her husband were quite incompetent.
In a year, their income was only a few thousand yuan.
Xiao Wu had gone to join the army and couldn't help much.
As for Xiao Ba, he was too young. Although he could earn money, it wasn't much.
Liang Xiu started to consider if she should find a way to get a profitable job herself.
Liang Xiu even thought about discussing this matter with her husband.
Su Xiaotian was unaware that before her loan was even approved, her mother was already thinking about helping to cover any potential shortfalls.
After a pleasant discussion with Director Du, she began the paperwork.
The collateral was the land deed for the factory in the suburbs and the property deed for the siheyuan.
The value of these two items was sufficient to cover fifty thousand yuan, so the loan processing went smoothly.
Director Du even expedited the process, issuing the loan to Su Xiaotian that same day.
Seeing the fifty thousand yuan increase on the passbook, Su Xiaotian finally felt much more at ease.
Su Xiaosi was shocked when he learned that Su Xiaotian had secured a fifty-thousand-yuan loan.
He looked his younger sister up and down.
When did their soft and adorable little sister develop such courage?
Fifty thousand yuan was no small amount, and she had just gone and gotten a loan.
However, this seemed like a good idea. Perhaps he could try it too.
He was planning to open his third Rongfa Trading Firm, but he was a bit short on funds.
If he could get a collateralized loan, it might be a solution.
But when Su Xiaosi learned that Su Xiaotian's collateral for the loan was a siheyuan, he immediately abandoned the idea.
He wasn't like Xiaotian, who could so readily put up a siheyuan as collateral.
He had a small courtyard, but it wasn't very valuable. Even if he got a loan, it wouldn't be for much.
He decided against it and would find another way.
As for the others, although they didn't say anything, they all began to save money, intending to pool their resources if Su Xiaotian couldn't repay the debt in a year.
After all, the Su family was no longer the impoverished family that couldn't afford clothes. With everyone working together for a year, fifty thousand yuan could still be raised.