Chapter 477 The Plan to Take Out a Loan

Su Laoda and his wife had some reservations about this distribution method, feeling they were getting a better deal.

The couple approached Su Xiaotian, suggesting they take less, but Su Xiaotian insisted on twenty percent.

This figure was carefully calculated by Su Xiaotian.

Having lived through life once before, Su Xiaotian hoped her family could live good lives, not just her own.

She wanted to lead her entire family towards a bright future, step by step.

With her second father and mother managing the shop, as long as they worked diligently and expanded the scale in the future, good days still lay ahead.

As for her first father and mother, since they had no intention of starting their own business, she had to consider this.

Twenty percent of the dry shares would allow her first father and mother to dedicate themselves wholeheartedly to managing the farm and also enable them to live a prosperous life.

This was a win-win situation.

Su Xiaotian and the others planned to head south, but this time, their destination was not Rongcheng, but Mocheng.

One reason was that Mocheng was closer to the capital. Another was that too many people were flocking to Rongcheng for gold, and the goods there were no longer novel.

Li Mumu and Li Zhuzi had already made three rounds of visits to various cities in the Northwest.

In the span of one year, the two had earned a considerable amount of money.

During this time, they had also visited the capital once. Li Mumu came to see his sister, while Li Zhuzi came to visit Grandma Su, Grandpa Su, and the others.

It had to be said that Li Zhuzi was a person with immense gratitude.

He had never forgotten the help Grandpa Su and Grandma Su had provided him back then.

When he visited Grandpa Su and Grandma Su, he bought many good things for the elderly couple, and everyone else in the Su family also received gifts.

Even Du Tonghe and Chi Ge commented that Li Zhuzi was practically the fourth son of the Su family.

However, just as they were enthusiastically planning their trip south, earth-shattering news arrived.

Su Shouwen was getting married.

Su Shouwen was the eldest grandson of the Su family, and this was a major event for them.

Su Xiaotian and the others had to postpone their money-making plans.

Chi Yiyuan chuckled, "I thought your top priority was making money."

Su Xiaotian playfully chided him, "How could that be? Am I that kind of person? I clearly don't like making money that much; I only do it because I have to!"

If only Chi Yiyuan knew that Su Xiaotian's behavior had a specific term: "humblebrag." He would surely have called her out on it.

Su Xiaotian felt she was not a person overly concerned with material possessions.

She only wanted to avoid repeating the life she had in her previous existence, which was why she was finding ways to make money.

"Xiaotian, the plan to go south might have to be abandoned. How will you solve your funding needs?"

Su Xiaotian pondered for a moment and said, "Perhaps, I can approach a bank for a solution."

People in this era were generally not wealthy; holding a few thousand yuan was considered affluent.

Borrowing money from individuals was practically impossible, so seeking help from a bank was the most feasible option.

A bank?

Chi Yiyuan was taken aback. He had truly not considered that Su Xiaotian would think of a bank.

At this time, obtaining loans from banks was not very common.

Even though Chi Yiyuan had been in business for several years, he had never thought of the idea of borrowing money from a bank to make more money.

The reason Su Xiaotian could think of this was primarily because she was using her modern-day mindset.

In later generations, many people achieved success by establishing good relationships with banks and obtaining loans.

This was essentially "borrowing a chicken to lay eggs."

Su Xiaotian did not feel there was anything wrong with her idea.

"Yes, I inquired earlier. Banks can provide loans through collateral!"

Su Xiaotian currently possessed both property and a factory, which would certainly meet the collateral requirements for a loan.

However, she might need to find someone to help facilitate the process.

Since going south to strike it rich was no longer an option, the matter of securing a loan had to be prioritized.

For the past couple of days, Su Xiaotian had been contemplating who would be the most suitable person to help with this.

However, she had not yet found anyone appropriate.

One day, while hosting guests at the Qili Silk Factory, Lv Ruyai accompanied them to the Yimingge restaurant.

Upon seeing Su Xiaotian in the restaurant, Lv Ruyai was quite surprised.

Su Xiaotian, this young girl, always seemed to be very busy. How did she have time to be in the restaurant?

Moreover, she looked so troubled.

"Xiaotian, what's wrong?" After ushering the guests into a private room, Lv Ruyai went out to greet Su Xiaotian.

Su Xiaotian was drawing and writing on a piece of paper, listing names of people.

"Factory Director Lv, do you have guests today?" Su Xiaotian greeted him with a smile. "In the past couple of days, my grandmother has developed two new dishes. You should try them!"

Lv Ruyai smiled, "That would be wonderful. However, at your young age, frowning doesn't look good!"

A young girl should act like a young girl, carefree and without a worry.

"Factory Director Lv, I wanted to consult you. Do you know anyone at the bank? I want to get a loan!"

Lv Ruyai was taken aback to hear Su Xiaotian mention wanting a loan.

This young girl had substantial assets; why would she need a loan?

"Xiaotian, why are you thinking of getting a loan? Have you encountered any problems?"

Could it be that she wanted to buy another house?

No, the young girl didn't lack houses now.

Furthermore, she was surrounded by wealthy people. If she lacked money, couldn't she just borrow some?

"I've started a factory, and the funds are a bit insufficient. I was thinking of borrowing thirty to forty thousand yuan for immediate needs."

Thirty to forty thousand...

Lv Ruyai felt that this young girl was truly bold to speak so casually about such a large sum, as if it were just three to four hundred yuan.

Was this the difference between them?

Despite his hard work over the years, he only had three to four thousand yuan saved.

This was even with the good performance of the silk factory and his family members all having jobs.

Seeing Lv Ruyai's expression, Su Xiaotian smiled and said, "It's alright if you don't know anyone. I'll find someone else!"

"Haven't you considered asking some high-ranking officials for help?" Lv Ruyai asked tentatively.

He knew that this young girl knew several important figures.

Su Xiaotian glanced at him as if he were an idiot.

What was he saying? For such a small matter, would they need to involve high-ranking officials?

Lv Ruyai realized at that moment that his words were inappropriate.

He then awkwardly chuckled and said, "Look at me, I'm truly confused!"

Why use a butcher's knife to kill a chicken?

"I don't know anyone personally, but I can definitely find someone to help. Leave this matter to me!" Lv Ruyai readily agreed to take on the task.

Su Xiaotian thanked him with a smile.

Lv Ruyai had been operating within the Beijing circles for so many years, so Su Xiaotian had reason to believe he could indeed find someone to assist.

"Factory Director Lv, thank you so much for your help with this matter."

"We've known each other for so long. Besides, it's thanks to you that our Qili Silk Factory has reached its current standing!"

Lv Ruyai's words were very sincere.

A business deal finalized a few months ago was enough to elevate the Qili Silk Factory to a higher level.

In fact, this was also thanks to Su Xiaotian, who had often spoken favorably of Mr. Auguste on his behalf.

As they were talking, they saw someone emerge from a private room. Upon seeing Lv Ruyai, the person walked directly towards them.