Chapter 5: I also have a proposal

Soon, someone brings two glasses of water; the manager puts his hands very naturally on the desk, fingers clasped together.

At this time, he separates his palms and spreads his hands, "So... what are you here for?"

The company has many businesses, and some are not through his hands; he cannot be clear about the specific situation of every business.

Erwin doesn't know how to say it, but Lan Si appears very natural and relaxed.

"We encountered a little trouble and need some money."

A smile appears on the manager's face, "This is no problem at all; this is what we do."

"How much do you plan to want?"

"Two hundred."

"Two hundred?"

"Two hundred!"

The manager doesn't feel that this sum of money is too small; financial companies here won't let go of big fish or small fish, and from the perspective of actual interest, the smaller the amount, the higher the actual return.

Perhaps one thousand dollars needs to be calculated at an annual interest rate of fifty or sixty percent, but borrowing ten thousand, the annual interest rate might only be twenty or thirty percent.

And the risk of small-amount lending is lower; the probability of running away for a few hundred dollars and the probability of running away for tens of thousands of dollars are absolutely different.

Of course, before this, he definitely needs to figure out the basic information of the people in front of him; he can't give them money just because anyone comes.

That is not capital turnover; that is charity.

"I don't think your accents sound like locals."

Lan Si doesn't deny it, "We are from the Empire."

The manager curls his lips, "I often see news about you guys on the news; it's really a terrible place; so what collateral do you have?"

"You are not locals; if you run away, it's hard for me to find you."

"Compared to paying this expenditure for you, I'd rather not lend to you directly."

Lan Si knows that this must be a troublesome process; he has to explain, "We have no collateral...", looking at the expression that the manager seems to reveal, "You're kidding me," and the emotion, Lan Si says first, "But we have the ability to repay."

Facing the manager's confused face, he explains, "We have fourteen people here, and we all work in New Jincheng; because we lack legal status, it's hard for us to go anywhere else."

"After all, you know, there are fewer opportunities to work in other places, and it's less safe; other cities won't be as tolerant as New Jincheng, so we won't run."

The manager approves of this point of view; he opens the cigarette case, turns the direction, and makes a gesture of invitation.

Lan Si takes one out; Erwin just looks at it and doesn't take one.

The manager thinks Lan Si is very interesting and pushes a lighter over; it is a very classic desktop lighter, "Do you know how to use it?"

Desktop lighters in this period all have story plots; it looks like the size of an adult's palm—just the base.

On the base, there is a clown statue holding a torch; when pressing one of the little person's arms, the little person will spit a spark at the cotton core of the torch in his hand, and then the torch will be lit.

Full of kerosene—the fire core of kerosene, and the flint.

This kind of desktop lighter is very popular, with all kinds of shapes, and there are many grades from low to high.

Lan Si leans close with a cigarette in his mouth, takes a deep breath, and the whole person feels comfortable.

Looking at Lan Si skillfully smoking, the manager also lights a cigarette for himself, "Continue the topic just now; tell me how you can guarantee that I can still collect the money after giving it to you."

"We have fourteen people; even if each person can only earn fifteen dollars a month, there are two hundred and ten dollars."

"Taking half of it to give to you, at most, at most, it only takes three months to pay it off completely."

"And I believe that even if we lose our jobs and can't pay back the money, we can work for you to pay off the debt; we have many people, so you don't need to worry about this at all."

After the manager hears this, he feels that this is indeed the truth, but there is still a problem, "How can you guarantee that I can still find you?"

"You can take pictures of us."

This is a good way, but the manager still decides to ask, "Can I ask what you are doing with this money?"

"After all, for you, two hundred dollars is not a small amount."

Lan Si doesn't hide it either, directly speaking, "We encountered a little trouble; there is a son of a bitch who plans to knock us for some money..."

After listening to Lan Si's simple narration of the whole thing, the manager takes some interest, "I have a new proposal; do you plan to listen?"

Lan Si, while flicking the ash, says, "Do we have the right to refuse?"

The manager laughs loudly a few times, "It seems not...", he pauses, "I'll help you handle this... son of a bitch; you still owe me two hundred dollars, but I can make the decision to lower the interest a little."

"Actually, it is more beneficial for you that I handle this matter than you giving money directly."

"According to the company's regulations, two hundred dollars, we won't calculate interest for this kind of small loan; principal and interest together, you need to give me three hundred and fifty dollars within six months."

"Now I lower the interest for you; principal and interest together, you only need to give me two hundred and eighty dollars within half a year, fifty-three dollars and fifty cents a month; this is my reward for your excellent performance."

Looking at the confident smile on the manager's face, Lan Si doesn't agree or refuse directly, but gives a new multiple-choice question, "We give you two hundred and fifty dollars for principal and interest; this money doesn't go through the company's account, but directly into your hands."

The manager is stunned for a moment, and then begins to laugh loudly, and the laughter gets louder and louder, the kind that cannot be controlled at all.

Lan Si vaguely understands where the problem is.

"Is this company yours?"

The manager nods while holding his stomach, "Too funny, you want to bribe me in front of me!"

"Hahaha, you are really interesting, not at all like the guy next to you who is dull and stupid; I haven't asked yet, what is your name?"

"Lan Si...", he spells it out.

"A strange name, but you are a very interesting person, Lan Si."

"Looking at the fact that you made me laugh so heartily, two hundred and eighty dollars, six months."

"This is the final concession; if it were others, the moment they tried to bargain, I would let them roll out!"

When saying this, the manager has a sense of arrogance; in this era lacking funds, as long as there is cash in hand, there is no need to fear not finding borrowers.

Perhaps some people are unwilling to bear such terrible interest rates, but there are people willing to gamble.

Two hundred dollars, plus eighty dollars in interest, this interest rate is not expensive at all in this era, in this city!

Lan Si doesn't hesitate much, pinches the cigarette butt in the ashtray, and then, while spitting out the last puff of smoke, stands up and reaches out his hand, "I'm glad we can reach a cooperation, sir."

The manager also stands up and shakes hands with Lan Si after a short loss of focus, "You are very interesting, Lan Si; now I am your creditor."

Then he shouts to the outside of the door, "Fudisi, roll in!"

Not long after, a strong man pushes the door and stands inside, "Boss, are you looking for me?"

The manager lets go of Lan Si's hand and points at him, "Follow him to handle a son of a bitch, and then go to the place where he works, and then bring back something to eat..."

He looks at Lan Si, "You are very different from other people of your age I have seen; honestly, there is something very special about you, and I appreciate you very much; I think you won't be an ordinary person in the future."

"I hope I can still hear someone mention your name in New Jincheng in the future, Lan Si."

"Also, don't forget the money you owe me; once you forget, I will let people remind you; you definitely won't like this kind of reminder, do you understand?"

Although he thinks Lan Si is very interesting, business is business.

Girls who operate their own low-cost businesses on the roadside won't actively reduce some fees just because the guests who patronize them are regular customers.

If they really like you, they might live with you after work, but if you want to do something during work, you must give money.

After simply threatening Lan Si, he lets them leave.

For him, two hundred and eighty dollars converted to monthly, is less than forty-seven dollars.

But it is many forty-seven dollars that support his life now.

And this time there is no risk at all, because he has never taken out any money, and he has also met an interesting guy.

The abruptness of Lan Si, who is somewhat incompatible with the whole world, makes the manager become more tolerant and willing to wait quietly for the development of things.

When Lan Si and Erwin walk out of the financial company, the little friends immediately surround them, asking about the final result one after another.

Lan Si tells them that this matter is settled, while giving them a preventive shot, "Three dollars per person per month, this is forty-two, and the remaining five dollars let Ethan pay it himself; this is the trouble he caused, so he should pay more."

Regarding this, everyone has no opinion, and they all obey Lan Si's words very much.

Fudisi frowns, "We are still in a hurry."

Lan Si immediately says yes, lets other little friends wait for news, and then takes a company car with Erwin, under Erwin's guidance, and drives toward the port.

The guy who called the police to catch Ethan lives in a worker apartment near the port.

This is Lan Si's first time sitting in a small car in this world; it is far more luxurious inside than it appears outside, especially those walnut and calfskin interiors, which can make people feel its low-key and luxury.

"How much is this car?"

Fudisi, while driving, says without looking back, "Twenty thousand dollars."

Lan Si whistles and says nothing more.

Twenty thousand dollars, although he dares to think, it is not very easy to gather.

The car is slightly bumpy, and the lack of good suspension makes it very "hard" to ride, but it is a car after all; as a man, he will definitely not hate it.

The car stops outside the port worker apartment; Fudisi follows Lan Si and Erwin, mainly Erwin, and knocks on the door of a household on the fourth floor.

"It's you?", the son of a bitch with a mouth full of alcohol sees Erwin, and his eyebrows stand up, "Did you gather the money?"

Lan Si pulls Erwin to let him hide on the side; Fudisi stands in front of that person, and then says in a tone that is not fierce, "Go to the police station, withdraw the case you reported, and this matter will end here."

That son of a bitch doesn't eat this set at all; perhaps he drank too much, and his brain became somewhat abnormal.

He pushes Fudisi, "Where did you find the actors?"

"You group of sons of bitches who smuggled, don't think that being big can scare me."

"I tell you, it's very simple to want me to withdraw the case, as long as two hundred dollars are put into my hands, otherwise..."

He says and says and stops, because Fudisi lifts his coat, revealing the holster inside and the pistol in the holster, "Do you want to try if it can ring?"

The son of a bitch drunkard wakes up in an instant, even takes a step back, raises his hands, and stands back in the door frame, "I'm sorry, I didn't figure out the situation..." ===== CHAPTER 6 =====