#112 · 112 of 485
Chapter 112: The Vulture Agreement
Suddenly, Yang Fan seemed to think of something.
"Yang Yi, if I mortgage my Divine Kingdom assets, roughly how much capital can I get right now?" Yang Fan asked suddenly.
"Which assets do you wish to mortgage, Master?" Yang Yi asked in return.
"All of them. It doesn't matter if the interest is higher; the more capital, the better." A hint of fanaticism appeared in Yang Fan's eyes.
"A reminder to Master: this operation is extremely dangerous. The larger the loan amount, the more the lending company will raise interest rates to hedge risks. Even if Divine Kingdom investments on the market can cover the interest, there is a significant risk of default.
Once a default occurs, the Divine Kingdom assets will be forcibly seized. Under compound interest, you might even end up with high debts that you can't climb out of for a lifetime," Yang Yi warned.
Yang Fan gave the order: "Go and inquire for me immediately."
Under normal circumstances, using investment returns to cover interest is indeed risky.
But what if the investment return is tenfold? Then it's not a risk, but free money.
The sooner he obtained capital, the faster Yang Fan's Divine Kingdom would develop.
To others, lending platforms were high-risk capital turnovers; to him, this was his own bank, a financial lever with a one-hundred-percent guaranteed win.
Yang Yi executed the command, sending the requirements to major lending platforms.
…
At the same time, on a planet billions of light-years away from Taichu City.
This was a planet without any "nature." Looking as far as the eye could see, the entire land was completely covered in steel.
Beneath the sky, countless electronic machines shuttled between streets and sky-rails, operating with precision and efficiency, with almost no downtime.
There was no noise here, only the continuous sound of mechanical operation.
And at the very center of this world stood a core building ten thousand meters high.
The building was pitch black, with a massive light screen logo floating on it: "Elephant Borrow Welcomes You."
The top floor of the building.
A man dressed in casual clothes sipped red wine, muttering, "Intelligent Six, continue to increase advertising investment. The headline content should be something like 'Elephant Borrow is not interested in money; to serve customers, the base interest rate has been lowered from 30% to 29.9%.'"
Just then, a mechanical voice suddenly sounded in the room: "President Ma, there is a loan that requires your approval."
"Since when do I need to personally oversee loan business? What's the amount, and what's the collateral?"
"The other party is mortgaging all Divine Kingdom assets. According to the data, the approximate capital is thirty thousand divinity points," the intelligent life responded.
"Only that much? Is it a Demigod or a Divine Being?"
"A Divine Being."
"He seems quite wealthy then. Just approve the loan according to the normal process; no need to disturb me!"
"But according to the identity information, the other party is evaluated by the Federation's Supreme intelligent life as a Human Race Prodigy!"
As the intelligent life finished speaking, the man spat out all the wine in his mouth.
"Cough, cough, cough! Send me all the information immediately. Also, help me apply for a meeting in the Virtual World."
"A Human Race Prodigy is looking for my small company to borrow money? What's going on? Is it possible that I, Ma Yu, am about to hit the jackpot?"
…
"Mortgaging all assets, there should be twenty or thirty thousand divinity points!" Yang Fan thought to himself.
At that moment, Yang Yi's voice suddenly came to his mind.
"Master, a major shareholder of a lending company has applied for a face-to-face meeting with you."
"A meeting?" Yang Fan showed a puzzled expression.
Capital lending was essentially a financial game. In today's world, one hundred percent of the work was completed by intelligent life.
Assessing risks, signing contracts, issuing agreements, and even reclaiming collateral at the Late Stage no longer required a god to appear in person.
Yang Fan didn't understand why a major shareholder of a lending company would want to see him.
"This is the other party's specific information." Yang Yi transmitted the information to Yang Fan.
As he processed the information in his mind, Yang Fan's expression gradually became strange.
"The actual controller of Elephant Borrow—Ma Yu, with the strength of a Rank Five God.
Elephant Borrow Data: Founded in Year XXX of the Divine Kingdom Era, a Federation listed company with a market value exceeding ten billion divinity points.
The company's financial statements are as follows: compound annual growth rate of 42%, ROE…"
This was all public information, which Yang Yi had organized and presented.
Yang Fan became increasingly confused. "Why would such a big shot want to see me? With the meager assets in my Divine Kingdom, could this even be considered a big business to him?"
Yang Fan didn't understand. Ever since coming to Taichu City, he realized that the assets in his Divine Kingdom were nothing at all.
A Rank Five God was the strongest person Yang Fan had ever encountered, so he naturally didn't dare to be negligent.
Putting on the virtual helmet, Yang Fan's consciousness entered.
As soon as he entered the Virtual World, a young man with an ordinary, even slightly ugly appearance, came forward to greet him.
"Young friend Yang Fan, it's a pleasure to meet you. I am Ma Yu, the Chairman of Elephant Borrow. It is an honor that you are cooperating with our company again," Ma Yu said as he stepped forward.
Yang Fan bowed. "Greetings, President Ma."
"An honest man doesn't resort to insincerity. I checked the data before coming; you haven't signed a contract with any listed company or super family. I see the potential of your Human Race Prodigy status and want to invest in you."
"I will bear all your education expenses at Taichu Academy and provide you with an additional subsidy of 100,000 divinity points every year. As for the condition, you must come to work at Elephant Borrow after becoming a god. If you Breakthrough to a Rank Four God, I can even give you a 10% equity reward."
Ma Yu stated his conditions in simple and clear terms.
Yang Fan realized at this moment that this President Ma wasn't interested because of the mortgage loan, but because he valued his status as a Human Race Prodigy.
The other party was willing to bear his education expenses at Taichu Academy; based on this point alone, his sincerity was higher than that of Yuandan Co., Ltd.
One must know that the tuition fees at Taichu School were a significant expense.
Although Yang Fan was tempted, he still shook his head and refused, "I'm sorry, I don't plan on joining a company."
Being rejected by Yang Fan, Ma Yu got a bit anxious. "Young friend Yang Fan must be very short on capital!"
Yang Fan nodded. If not for that, he wouldn't have put up all his assets as collateral.
"As long as you accept our company's recruitment, the annual subsidy will be increased to 200,000 divinity points. Never mind a Divine Being, it would be enough to support the Divine Kingdom consumption of a god," Ma Yu continued to raise the stakes.
"I'm sorry." Yang Fan still refused.
Although the other party's conditions were enticing, Yang Fan was no longer that poor boy who had nothing. As long as there was enough time, he wouldn't lack divinity points.
After saying this, Yang Fan prepared to leave.
There were many lending companies; with sufficient collateral, Yang Fan could completely obtain capital from other companies.
This was the Virtual World, so he didn't need to care about the other party's strength.
Watching Yang Fan turn around, Ma Yu hurriedly said, "We can sign a Vulture Agreement."
"A Vulture Agreement?"
"That's right. I can give you a loan limit of 1,000,000 divinity points. In one year, if you can repay me with interest, the agreement will automatically be voided.
If you can't, I won't ask you to repay this capital, but you must join our company after you graduate in the future."
Yang Fan immediately became interested upon hearing this. "May I know the specific contents of the agreement?"
Ma Yu snapped his fingers, and a thick stack of documents appeared in front of Yang Fan.
There was a lot of content in the agreement, so Yang Fan directly let Yang Yi scan and read it.
After a moment, Yang Yi's voice appeared in his mind: "Master, the interest on these 1,000,000 divinity points is as high as 200%. After one year, you must repay a total of 3,000,000 divinity points in principal and interest.
The interest cost far exceeds the Divine Kingdom investments on the market; the risk is enormous.
If Master wants to repay this capital within a year, the only way is to break into the top 1,000,000 of the Taichu Battlefield and obtain the rewards."
Ma Yu wasn't in a hurry and said in a calm tone, "Although the contents of the agreement are somewhat harsh, I doubt any other company on the market would give this loan limit."
"I'll sign," Yang Fan said suddenly.
Discussion0 comments
Comments load here at the chapter end.