Rebirth 00 I earned 999 from selling lunch boxes

Wang Ming, the bank's account manager, didn't respond for a long time.

When I heard He Wenlin ask about the loan business, I was even more surprised!

He looked He Wenlin up and down and asked, "I would like to ask, how old are you?"

"I'm fourteen years old, and I know I'm not old enough to qualify for a loan, but I have a small food factory, a breakfast shop, and a fast food restaurant under my name. I'm not a legal person, but I own 95% of the shares. I can ask a legal person or my guardian to take out a loan, but I want to know more about the loan, such as how much I can borrow and how the interest is calculated."

He Wenlin spoke slowly and slowly, not like a child at all.

Wang Ming works in a bank and has seen a lot of bosses, big and small. Although the little girl in front of him is still childish, her eyes and temperament do look a bit like a boss.

Peng Liang quickly testified to He Wenlin: "I am her employee and she is my boss. I can prove it to her."

Wang Ming said: "It depends on the bank's current flow. The more the current flow is, the higher the loan amount will be."

"How many months do I need to see the turnover? My food factory has just been opened, the breakfast restaurant has been open for ten days, and the fast food restaurant has been open for almost two months, but the business license has only been issued for a month. If I go by my current bank turnover, it will be twelve Can I get a monthly loan? How much is the interest?”

Wang Ming checked the transaction history of He Wenlin's bank card. Although the card was just issued, there was still a lot of funds in the account, currently 55,000.

He Wenlin said: "Currently, the daily turnover of my two stores plus the food factory is about 4,500."

Now, the daily turnover of the breakfast shop plus the No. 2 store is 700 to 800 yuan. The daily retail sales of egg rolls are about 100 yuan. Not counting Chen Dongping, the daily egg roll shipments are 200 boxes, and the revenue is There are one thousand and three, and the No. 1 fast food restaurant has the best and most stable business. Now it never goes below one thousand and nine in a day.

However, He Wenlin spent a lot of money to purchase equipment, so after selling so many vouchers, she only had more than 50,000 yuan in hand.

But the money coming in and out of He Wenlin's account can also be seen by the banking system.

Wang Ming was shocked.

He said: "You are underage now. You need your guardian or the legal person of the company or store to come over for the loan. If your turnover remains as it is now, you can get a loan of more than 100,000. Specifically, you have to ask an adult from your family to come over."

"Where's the interest?"

"You can ask your adults to come, or you can make an appointment and I can come to your door."

As the company's account manager, Wang Ming also has deposit and loan tasks.

He Wenlin was too young and underage, so he didn't dare to say too much to her.

"Both my father and my grandma have no time recently. Manager Wang, please leave me a phone number and I will ask my father to contact you."

Wang Ming handed over his business card: "You can contact me for deposit and loan business."

"it is good."

He Wenlin put away her business card and then left the bank with Peng Liang.

"Boss, do you really want a loan?" Peng Liang asked.

"Yes, when doing business, who doesn't owe the bank some money?"

Loan interest rates shouldn't be high now. From what Wang Ming means, a loan of 100,000 yuan shouldn't be a problem.

One hundred thousand yuan is enough for her to implement her plan for the end of the year.

The next step is to convince Grandma and Dad He.

People of the older generation are very afraid of borrowing money, not only because they have to pay back interest, but they always feel that they owe money, feel uncomfortable, and can't sleep at night.

Although grandma supports her, He Wenlin really doesn't have much confidence in convincing grandma about the loan.

But it’s still early, let’s wait until the National Day is over.

After leaving the bank, Peng Liang went to Hongrui to get the dinner order details, while He Wenlin went to order two air conditioners.

Two air conditioners cost He Wenlin 5,600 yuan.

The amount of 5,600 was too large to be carried around. At this time, bank card payment was not popular. He Wenlin agreed with the boss that after the air conditioner was installed, she would go to the bank with him to transfer money.

He Wenlin is also an old customer of the electrical appliance store here. She has bought several freezers, and the boss also knows He Wenlin.

So after paying a deposit of 300 yuan, the boss agreed and agreed to install the air conditioner tomorrow.

There are two air conditioners. He Wenlin plans to use one for fast food and one for the egg roll processing room.

Back to the fast food restaurant.

Fast food A this afternoon is preserved pepper egg, dry pot cauliflower, mushrooms and green vegetables.

Fast food B is stir-fried pork liver with pork belly, grated cauliflower, mushrooms and green vegetables.

Dad He and Lin Fei already know how to cook mushrooms and green vegetables, but they are not yet good at stir-fried pork belly with pork liver, griddle cauliflower, and preserved eggs with pepper, so He Wenlin has to come in person.

"I ordered two air conditioners today. When we install one here and one in the egg roll processing room, it won't be so hot," He Wenlin said.

"Did you really buy an air conditioner?" Dad He exclaimed, "How much does it cost?"

"Five thousand six. Peng Liang sold four thousand coupons today."

Dad He was a little heartbroken, five thousand six, even if he had to work in the factory without food or water for five months, he would be paid.

"You bought an air conditioner, why do you want to buy a car? Don't buy a car anymore?" Dad He said.

"We also need to buy a car." He Wenlin said while cooking, "Dad, I went to the bank today to ask. According to our current turnover, we can get a loan of about 10, but we need you to go with my grandma. The bank didn't tell me how much the interest will be. , but I think we can negotiate. Based on an annualized interest rate of %, one hundred thousand yuan in two years is equivalent to yuan in interest."

"Only 20,000 yuan in interest?" Dad He said angrily, "Twenty thousand yuan comes out of your mouth, it's as easy as 20 yuan. Do you know how long it takes to earn 20,000 yuan working part-time?"

"Oh, Dad, you can't settle the bill like that. A fast food restaurant can live without a car, but a food factory can't live without a car. Now I just want to buy a car, so I'm struggling.

You see, our egg roll business is so good. If we set up a stall in a supermarket or night market, do you think the business can be bad?

Now I just don’t have the money, so I don’t dare to expand.

Peng Liang's friend sells dozens of boxes in one night on the antique street. Let's go to the night market to set up a stall. How much do you think we can sell in one night? We sell a box for nine yuan and a half, and the profit is more than his. "

Dad He was silent for a moment and asked, "What are your plans for the end of the year?"

“What do you think sells best during the end of the year and the first month of the year?”

“Everything sells easily during the Chinese New Year.”

"Okay, let me change the question. During the Chinese New Year, what do you and my mother mainly spend money on?"

Dad He made the calculation: "In addition to the New Year's goods, they are the whole family's cotton-wool gauze clothes and pants (autumn clothes and autumn trousers), socks, shoes, blouses and trousers (coats, outer trousers)..."

At this point, Dad He was shocked and suddenly realized: "You want to sell clothes and pants!"

"Yes! So you must have a car! Once you have a car, you can drive the goods back and sell them for those ten days. Dad, do you know how many stores are open during the Chinese New Year month in our Commodity City in Tangkou County? "

"How many?"

"It's just one stall. When the prices are high, you can sell 20,000 to 30,000 yuan a day!"

"Twenty to thirty thousand!!!"

Dad He and Lin Fei took a deep breath, unable to believe this number.