Font
Large
Medium
Small
Night
Prev Index    Favorite Next

Chapter 122 It's the uncle who owes money

Xia Lan said with some concern: "Boss, they may be asking for payment, and it will take a long time to delay the payment for the goods for ten days."

Chen Shi felt thoughtful, but what the accountant said was not justified, but he smiled and said, "It's really urgent, you can give some advance payment;

If it doesn’t work, change suppliers, now we urgently need funds to develop, and it’s not that we don’t have money to give them.”

In Xia Lan's eyes, his smile was the kind of a profiteer, and he was proud of his own ideas.

The accountant really doesn't know why the boss needs so much money.

For Chen Shi, if you keep the payment for the goods for ten days, you can leave more than one million and hundreds of thousands of dollars.

He is really short of money at the moment. He expects to rent a shop, and the rent is nearly one million yuan.

He plans to open two stores for the first time, and no matter how much he has, he can't take care of it, and he doesn't have enough funds.

In addition to rent, we also need to negotiate clothing purchases with the manufacturer.

acting?

Join?

No matter which method, plus store decoration and distribution, it requires a lot of money.

Chen Shi told the accountant about the use of funds, and should also tell him whether there is financial risk.

Financial analysis, profit distribution, and the company's economic situation, as the company's sole accountant, they assume these responsibilities.

Xia Lan smiled gently and said, "No problem. In fact, our company has a good financial situation and no debts are owed. I feel a little uncomfortable."

The company's daily gross profit is too high. Currently, it is more than 100,000 yuan a day, and tens of millions a year.

The company has few employees at all, only a few dozen people, and its net profit is extremely high.

With the current profitability, even if the store is not added, it can still support hundreds of employees.

As far as she knows, the company has two or three thousand people, and the annual sales value is about one billion, but the net profit can reach tens of millions, and the boss laughed.

"I don't want to owe money either, but the company needs to develop, and there is no way." Chen Shi smiled helplessly,

"Besides, what's the point of owe ten days? It's normal to owe a month or two."

"You have gone to the lending institution these days. We don't have enough funds to open a store and need a loan. My car and two cars from the company can all be mortgaged."

"What procedures are needed, tell me then."

Chen Shi and Huo Ming talked a lot with those suppliers, and they also learned about private loans and bank loans.

Mortgage car loans are divided into car escorts and non-bets.

Chen Shi's company wants to use a car, but of course he does not escort the car. The driver's license is a green book and other documents.

Of course, ID cards and driver's licenses do not need to be seized.

If you do not plagiarize a car loan, the calculation method of loan amounts may be different from different banks or institutions.

One of the banks, the value is %.

After all, it generally does not exceed the price of a new car, which is about 80%.

The calculation formula for residual value is: the price of a new car - 10,000 × age of a car

As for Chen Shi's Wrangler, the price of the naked car is based on the 450,000 yuan in the car purchase contract, the age of the car is 1 year, and the residual value is 440,000 yuan.

The amount he can get from the Wrangler is 352,000 to 400,000 yuan. The specific amount he can get is also required to deeply evaluate personal assets and credit.

The monthly interest rate for loans is about 0.6% to 1.0%, while the national bank is relatively low, and may only be 7%.

Of course, the minimum term for loans is half a year, usually a period.

If it is too short, banks or institutions will not make any interest money.

For private institutions, the loan interest rate is actually similar.

The worst thing is that the service fee is a big difference.

Formal national banks or some large institutions may not charge service fees.

However, there may be other relatively low fees.

For example, the guarantee fee is 0.3%, and there is 0.3-1% insurance, so you can buy it.

If it is a bank, it may be financial insurance, with a quota of about 1%, which is a one-time intercourse.

Overall, in addition to interest, the fee is about 1%.

If it is a private institution, there may be four to eight points, or even darker. Although the interest rate is low, the service fee is so dark that it is so bad that it will be cheated if you accidentally.

The above are all the experiences of those suppliers or bosses. Sometimes, he even calls to ask, and Chen Shi learned a lot from them.

Some are bloody lessons.

Chen Shi and accountant Xia Lan reminded him that the two discussed the loan matter a lot.

After all, you need to use money, so it is right to be cautious.

The 800,000 yuan available for the company's account is estimated to be around 1.5 million yuan if it can suppress the supplier's money.

If the loan of three cars goes well, you can get 500,000 or 600,000 yuan.

It will probably take a few days to find a shop.

The company's current gross profit per day is about 150,000.

In this way, renting two shops is no longer a problem.

The amount of funds the manufacturer will use is still uncertain, but it will not be less.

The two chatted for a while, and the accountant went busy.

In the next few days, several office staff in the company were very busy and worked overtime every day.

Huo Ming was also fast in his work. He spent a few days running outside and inspecting, and finding many suitable shops.

There is no problem with all suppliers in terms of the balance of goods. As long as you can pay a part of the advance payment and ensure that you can buy materials normally and start work.

Chen Shi's company also shows that the company needs development and urgently needs funds. The remaining funds can be delayed for up to one month.

One month is nothing to business partners.

These suppliers have visited Chen Shi's shops and know how popular his shop is, and it lasts for many days. They also know how high the profits are.

That's why these suppliers are so generous.

If Chen Shi was unlucky one day, most of these suppliers would come to collect debts on the same day and would not talk about any face.

As the saying goes, true feelings are revealed in times of adversity.

At the moment of glory, the people who surround you may not be considered to be really caring about you.

But when you encounter a disaster, someone who is willing to help you is definitely someone you are trustworthy.

Chen Shi didn't want to go that step to test people's hearts. It would be good that these suppliers could help him and understand him at this time.

In this way, Chen Shi can draw more than one million more funds in the future.

The mortgage car is not very difficult. The company has sufficient cash flow. The bank that applied for it quickly agreed to a loan of 500,000 yuan. It is under the process and it is estimated that it will take several days to receive the payment.

It was a miracle that Chen Shi could not have done it so soon.

I wanted to apply for a loan before, but I felt it was troublesome, so I was too lazy to ask.

Just think about it, as long as his personal credit report is fine, the company's capital flow is sufficient.

Banks can also find the bank statements of Chen Shi Company, earning more than 100,000 yuan a day, which is a strong basis for showing its strength.

On the other hand, under the impact of online platforms, banks are under great pressure and will lend money soon.

If you borrow hundreds of thousands of dollars, you will have to wait for a month or two before you can lend it. If you have a small business with difficulty in operating, you will probably have already lost money.

Therefore, some bosses would rather pay more service fees than take the bank loan path. The loan is relatively slow. If you are lucky, you will be faster. If you are lucky, you will be waiting slowly.

It may also be that Chen Shi's company has a good financial situation and it is much easier to get loans from banks.

If it is really difficult to operate, it is estimated that lending is very difficult.

He also wanted to try the money he owed the bank. He heard that the more he owed, the more respect he received.

If you owe the bank billions or tens of billions, you should call me.

Before time knew it, a few more days passed, and Saturday was coming.

Chen Shi plans to inspect the shops today.

Salesman Huo Ming has been inspecting for a few days and has found more than a dozen shops suitable for rent in the company. He has consulted about the price and other prices.

The people who went to inspect with Chen Shi today were Huo Ming.

Yu Ran is fine on the weekend and wants to see it with Chen Shi.

Chen Shi wanted to go shopping, so he agreed to bring it with him.

Early in the morning, the three of them made an appointment to gather in the company's office and drove away together.
Chapter completed!
Prev Index    Favorite Next