Chapter 3 The bigger the storm, the more expensive the fish
In the City of London, every inch of land is precious.
On only 2.6 square kilometers of land, there are a large number of banks, stock exchanges and other financial institutions gathered.
Nearly one million people are employed.
The world-famous Tower Bridge is located here.
After decades of development, the Financial City's business has already overflowed and spread all over the surrounding areas of the Financial City.
Elvino Asset Management Co., Ltd. is located to the west of the Financial City, northwest of King's College and the London School of Economics.
When Yang Cheng, accompanied by Lin Zhongqiu, followed the address provided by Chris Hunter, he walked into a retro British-style street with street-facing apartments on both sides.
Some operate restaurants, while others are world-famous hotel chains.
Yang Cheng saw a young British man in a suit and leather shoes from a distance, about 30 years old, waving to him at an entrance.
He is Chris Hunter.
“Hello, Chris.”
“Nice to meet you, Mr. Yang, you are too young.”
Yang Cheng as Chris Hunter After introducing Lin Zhongqiu, the three of them went up to the second floor from the entrance.
Elvino Company is not a well-known company, and it is inconspicuous in the City of London.
But this is exactly what Yang Cheng wants.
Companies that are too well-known, such as Blackstone and Rothschild Investment Bank, etc., have huge businesses and do not look down on the Bayswater Chinese at all, let alone the possibility of cooperation.
In Yang Cheng's memory, there was a college senior who worked at the Goldman Sachs headquarters, but he had no intention of using this relationship at this time.
If you want to sell it, they are really a good choice.
But now, what Yang Cheng wants is to find money to help the club tide over the difficulties.
The three of them sat down in a small but very bright street-facing conference room on the second floor, and someone immediately brought hot coffee.
"Mr. Yang, you said on the phone yesterday that you are planning to sell this land?"
Chris Hunter got straight to the point.
Everyone working in finance is almost like this. Time is precious, so don’t be verbose.
Yang Cheng has been observing Chris Hunter since they met, and he has a general idea.
Lin Zhongqiu looked over with a puzzled expression.
He still doesn't know Yang Cheng's plan.
Yang Cheng picked up the coffee slowly and took a sip. It was a little hot, and then put it down again.
"There have been some changes in the plan, Chris."
"Changes?" Chris Hunter was a little surprised.
"I contacted my father last night. You know, he is full of affection for our club and feels that we can still save it."
Chris Hunter frowned, " So..."
"I think we can try another way of cooperation."
The British youth are even stranger.
“To tell you the truth, we are now experiencing cash flow problems. A lot of funds cannot be made available in China, which has led to the current club being in deep trouble.”
It's no secret.
Chris Hunter will come to the door because he knows this situation.
“I now hope that you can consider lending us a sum of money to help us tide over the difficulties.”
Chris Hunter’s eyes flashed with a trace of embarrassing helplessness, as if he had been Guessed it.
Lin Zhongqiu had a glimmer of hope.
But the next moment, he was disappointed again.
"I'm sorry, Mr. Yang, I am responsible for the bankruptcy business, and my colleagues need to be specifically responsible for the credit aspect."
Chris Hunter declined politely.
Then he added, "Mr. Yang, please forgive me, given your current situation, it is difficult for any bank or institution to dare to lend you money. The risk is too great."
< br>Yang Cheng turned his head and glanced at Lin Zhongqiu, and saw the hope in his eyes fading.
"You're right, Chris, but there is a saying you must have heard."
Yang Cheng looked into Chris Hunter's eyes and said word by word: "The bigger the storm, the bigger the waves. The more expensive the fish is.”
At this moment, Chris Hunter finally understood.
Yang Cheng came to visit. He didn’t intend to sell the land at all, but came to borrow money.
"Mr. Yang, you know, even for a company like ours, you need to consider risks when borrowing money."
"I understand, so my plan can minimize your risks."
When Chris Hunter saw Yang Cheng's confident face and talk, he immediately became interested.
He saw that Yang Cheng was very young and had an unbridled romantic imagination, but it didn't hurt to listen.
When we are brought back to reality step by step, we may be able to talk about selling the land.
“I want to borrow 5 million pounds from you for 4 years. After 4 years, I will repay 10 million pounds in one lump sum.”
"If I am unable to repay the money after 4 years, then all the assets of the Bayswater Chinese, including this land, will be handed over to you."
"And within these 4 years, if I If you sell the club or this piece of land in advance, you can get another 20% share."
Yang Cheng was already prepared and expressed his thoughts in one breath.
This time, not only Chris Hunter, but also Lin Zhongqiu was shocked.
5 million pounds, 4 years, 10 million pounds in return.
The interest rate is too high!
It’s simply a loan shark!
Lin Zhongqiu immediately became anxious, but Yang Cheng reached out his hand again to comfort him.
This is a big gamble.
There is a very famous case of a gambling game like this in 2024.
That is Zhang Suning, a rich man in China.
While running the Serie A giant Inter Milan, Zhang Suning asked the American institution Oaktree Capital to borrow money in this way, but the interest rate was relatively lower.
There is no way, Yang Cheng feels that if we don’t offer high interest now, it’s simply not attractive enough.
This is also the reason why he is looking for Elvino.
If you look for a big company like Blackstone, they won’t look down on this small amount of pocket money.
But for Elvino, this is definitely a huge sum of money.
In Yang Cheng’s previous life, Zhang Suning finally screwed up and lost Inter Milan to Oaktree Capital.
But Yang Cheng is very confident in himself.
Chris Hunter, sitting opposite him, is also very shrewd and has a lot of calculations in his mind.
In 4 years, 5 million pounds turned into 10 million pounds, with 20% interest. It's worth a gamble no matter what.
Even if Yang Cheng really can’t pay back the money four years later, won’t there still be Bayswater Chinese people and land?
Clubs in the third-tier English League Two can be sold for some money.
Also players, facilities and more.
The most important thing is the land.
If you can contact a suitable buyer within these 4 years, sell it at a high price, get a 20% share, plus the interest during this period...
Chris Hunter's brain has changed. Quickly, I realized immediately that this deal was worth doing!
"How about it? How about I give you some time to study it?" Yang Cheng suggested with a smile.
Chris Hunter is embarrassed.
He found that it seemed really difficult for him to refuse Yang Cheng.
But Yang Cheng is obviously so young, how could he...
...
Yang Cheng and the restless Lin Zhongqiu drank coffee in the conference room for nearly an hour.
Chris Hunter quickly came back with a message.
Their company is very interested in this cooperation.
But some details need to be changed.
For example, Yang Cheng asked for 5 million pounds, but based on their financial review results of Bayswater Chinese and analysis of the debt situation, they were only willing to give 2 million pounds.
The reason is that they also need to control risks.
The 4 years proposed by Yang Cheng were also reduced to 2 years.
Two years later, the Bayswater Chinese paid back 3 million pounds.
The other terms are similar to what Yang Cheng listed.
But this is just the intention of both parties.
Next, both parties must bring financial personnel and lawyers to conduct formal negotiations and then sign a formal contract.
However, when Yang Cheng and others were about to leave, Chris Hunter specially introduced the boss of Elvino Company, showing a strong intention to cooperate.
As soon as his front foot stepped out of Elvino, Lin Zhongqiu grabbed Yang Cheng with his back foot.
The interest rate is too high!
He was holding back a lot of things when he was up there just now.
Now, I took it all out.
"The most important thing is, Cheng, what will you use to repay the 3 million pounds in two years' time?" Lin Zhongqiu said very distressedly.
"Uncle Lin, just wait and see!"
Yang Cheng smiled slightly, looking particularly confident.
But with a bit of puzzling mystery.
Lin Zhongqiu was stunned.
He really couldn’t think of a good way.
When they acquired the club before, they were deceived by Cash Harris and underestimated the difficulty of running the club.
In the past two years, I have invested a lot in the English League Two, but I have never been able to climb up the rankings.
Not to mention the Premier League, not even the English League One can be seen.
The competition is too fierce.
We are in the second tier of English football and it is taken over by foreign capital. We have very few fans and our income on match days is pitifully small.
Especially now, when we need players but not players, and we need coaches but not coaches, whether we can play games is a big problem.
Anyway, Lin Zhongqiu had no choice.
"A Cheng, if it were 3 years ago, I would have been very confident in you, but now..."
After a pause, Lin Zhongqiu shook his head and smiled bitterly, "We'd better All our players and coaches are gone.”
“We are really unsustainable now?”
Yang Cheng felt the helplessness and unwillingness in Lin Zhongqiu’s words. Sadness and disappointment.
In the past few years, he must have been beaten mercilessly and repeatedly by reality.
"It's okay, Uncle Lin, it's all over."
Yang Cheng reached out and patted Lin Zhongqiu's shoulder, comforting the injured middle-aged man in turn.
“From now on, everything is mine!”
Lin Zhongqiu looked at Yang Cheng in surprise.
"Believe me, Uncle Lin, within 2 years, I will definitely be able to solve the problem."
"By that time, not to mention the 3 million pounds of debt, all problems will be solved."
< br>"I will create an unprecedented surprise for you!"
Lin Zhongqiu was completely stunned.
He never thought that Yang Cheng would say such bold words to him.
He really didn't know whether to praise Yang Cheng for his ambition or to say that he was blindly confident.
But at this moment, he clearly saw in Yang Cheng the shadow of Yang Jianguo during his entrepreneurial days.
Dare to think, dare to fight!
"Old Lin, this is a world that belongs to adventurers!"
Lin Zhongqiu remembered what Yang Jianguo said to him back then.
Yang Cheng at this moment is just like Yang Jianguo at that moment.
Full of energy and passion.
At the same time, he is also full of confidence.
But Yang Cheng was thinking about something else.
In his previous life, Yang Cheng worked hard as a coach for 30 years and was toyed with by many wealthy teams. He didn't even win a championship.
Now, he has another chance.
He will take this opportunity to let all the wealthy teams know him again!
"Uncle Lin, just wait and see. Sooner or later, I will make the entire European football world, no, the world football world, tremble under my feet and under the feet of us Bayswater Chinese!"< br>
Looking from Lin Zhongqiu’s sight, behind Yang Cheng was the rising sun.
The light made Yang Cheng's whole body glow.
Regarding the paragraph about borrowing money, before I wrote it, I specifically consulted a best friend who graduated from a prestigious domestic school and is engaged in the financial industry. He gave me some professional advice, and I processed it a little myself. I didn’t show it to him after I finished writing it. , if there are any mistakes, please correct me, thank you!
During the new book period, there will be two updates every day, at 8:00 and 18:00.
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(End of this chapter)