When Lu Shanmin found Lu Shuang, the answer he got was only two words.

"No money".

Not to mention 1.5 million, not even 100,000.

At the beginning, in order to unite people's hearts to fight against Wang Dahu on Minsheng West Road, Lu Shanmin offered twice the original salary, and later entered Zhigang Avenue, also to unite people's hearts, and even the newly recruited security guards could get a salary of 5,000 yuan a month.

People like Tang Fei, Zhou Tong, Qin Feng and others even got a salary of 10,000 yuan a month.

The four bars on Straight Harbor Avenue are small and newly opened, and apart from costs, there is almost no profit, let alone dividends.

Now there are more than 50 security guards under his command, with an average of 6,000 per person, and more than 300,000 a month. In addition, there are ten people in the investigation team specially set up by Zhou Tong, and each of these people will cost at least 10,000 yuan per month. There are also some ordinary official expenses. In total, it will cost at least more than 500,000 yuan a month.

As for the income, the security premium of each of the seven bars is 80,000, a total of only 560,000, plus the income of 30,000 or 40,000 yuan per month of the rose bar, a total of less than 600,000.

It sounds like a lot, but to support so many people and deal with emergencies, this amount of money is completely insufficient.

Originally, there was a surplus in the past few months, but last time Xiao Wu gave most of the surplus to Xiao Wu's parents, and now there is not even 100,000 yuan of funds that can be mobilized in the account.

After calculating it, Lu Shanmin found that he was still a poor bastard.

In the East China Sea for a year, although Lu Shanmin was frugal and never spent money indiscriminately, the word lack of money has always accompanied him, and this is a place where you can't do anything if you lack money.

The next Wednesday the bar owner will come to sign the contract, but now he can't even make up the fraction.

After Lu Shanmin arrived in the East China Sea, he did a lot of things for the first time, such as taking a train for the first time, taking a car for the first time, taking a Lamborghini for the first time, eating Western food for the first time, wearing clothes worth tens of thousands of yuan for the first time, sitting in a university classroom for the first time, and so on.

Now, he did something for the first time, the first time he took the initiative to ask someone for dinner, or the first time he asked someone to do something.

Jiang Yan looks very elegant when she eats Western food.

A woman around thirty years old has lost the innocence of a girl, but she has not lost her beautiful face, and she has a rare calmness and self-confidence in her gestures.

Jiang Yan is such a mature, elegant and confident woman, Lu Shanmin is the first time to come into contact with her.

"I didn't expect you to come to me so soon". Jiang Yan lightly opened her red lips and chewed the steak she had just put into her mouth.

Lu Shanmin smiled faintly, "You seem to know that I came back to look for you."

Jiang Yan wiped the corners of her mouth elegantly, "I have worked in the banking system for so many years, and I have come into contact with not a thousand but eight hundred businessmen, a young person dares to open four stores on Zhigang Avenue, and also teaches himself economics, he is by no means a person who is satisfied with the status quo."

Said and smiled playfully, "I like men like this."

Her ridicule made Lu Shanmin a little unaccustomed, such a woman flirted with a man, just like a middle-aged greasy man flirting with an eighteen-year-old girl, her face was not red and her heart was not beating.

Seeing the slight embarrassment on Lu Shanmin's face, Jiang Yan suddenly felt very interesting, the men she usually came into contact with saw her like a wolf seeing a little sheep, and those middle-aged and old men would only have excitement in their eyes when they heard such a joke. It had been a long time since she had seen a man with such clean eyes, or rather a boy in her opinion.

"Actually, the most important reason why I pay attention to you is because you are a handsome guy."

Jiang Yan said calmly, as if she was talking about a dress she liked, or a pair of beautiful high heels.

Lu Shanmin has never had experience dealing with such mature women, and he doesn't quite understand whether she said these things are true or false, and what she means.

Lu Shanmin coughed lightly, hiding the embarrassment on his face very well, of course, this is just what he thinks, in Jiang Yan's opinion, this desire to cover up makes her sneer.

Lu Shanmin ignored her laughter and said lightly: "Miss Jiang, I asked you out today to inquire about the loan."

Jiang Yan was not surprised at all, and cut the steak on the plate unhurriedly.

"How much do you want to borrow"?

Lu Shanmin was a little surprised, he thought that the other party would ask him what he was doing with the loan, but he didn't expect her to be so direct.

"One and a half million".

Seeing that Jiang Yan was still elegantly cutting the steak without speaking, Lu Shanmin continued: "I have 30% of the shares of the four bars on Zhigang Avenue, and I use this part of the shares as collateral."

Jiang Yan raised her head and smiled, "Why don't you go to your shareholders to raise money?"

"Because I want to develop an industry that is only my own. Lu Shanmin said without hesitation.

"You're going to merge the bars on Straight Avenue"?

"Right".

Jiang Yan opened her big eyes and looked at Lu Shanmin with interest.

"Although I don't know much about the bar industry, I know that any industry merger is full of gunpowder, and when you first arrive, you are not afraid that the snake will eat you"?

Lu Shanmin met Jiang Yan's gaze, "That's my business."

Jiang Yan put down her knife and fork and put her hands on the dining table, showing off her full figure more and more.

"Three million".

Lu Shanmin couldn't believe his ears, and looked at Jiang Yan in surprise, he didn't expect Jiang Yan to agree, and it was three million.

"I can't get that much."

Jiang Yan smiled charmingly, "Didn't you study economics?"

Lu Shanmin nodded.

"Then you should know a lot of entrepreneurial stories?"

Lu Shanmin nodded again.

"The success of an entrepreneur is very simple, first do one thing, then use the thing to borrow or finance, when you earn a certain amount of assets, and then use these assets to refinance or finance, and so on. As long as you can borrow, the more you can borrow, the better. At present, many well-known large companies have not assets and liabilities exceeding 50 percent, or even more than 80 or 90 percent."

Lu Shanmin frowned, "But ......"

"But I'm afraid of going into debt?" Jiang Yan smiled.

Jiang Yan said with a smile, "There is a big gap between what is written in the book and reality, and the one who owes money in this world is the boss, as long as you can borrow money, it is the ability."

After a pause, Jiang Yan stared at Lu Shanmin with a smile, "To be a businessman, the biggest ability is not how well you can do things, and doing things well is your employees' business." It's about being able to borrow money, whether you can keep borrowing money, whether you can borrow more and more money."

Lu Shanmin frowned, and introduced many entrepreneurs in "Thirty Years of Turmoil", and indeed as Jiang Yan said, most enterprises have come by relying on loans and financing.

But he is a traditional Chinese person, and the traditional Chinese people have a characteristic that they don't like to borrow money.

Borrowing money is a shame in the eyes of most Chinese people, and debt is a huge psychological pressure.

Lu Shanmin was particularly afraid of this kind of pressure, he owed Chen Ran 50,000 yuan at the beginning, and what he thought about the most every day was to repay the money as soon as possible.

So when he first watched "Thirty Years of Turmoil", he mainly focused on how entrepreneurs started their businesses, how they made decisions, and their legendary stories, about their loans and financing, subconsciously ignoring the past.

Jiang Yan looked at Lu Shanmin with interest and said jokingly:

"Why? After reading so many books on economics, the consciousness of small farmers has not changed."

Lu Shanmin was silent for a long time.

"What you mean is that I use this money to annex a few bars, and then I can use those bars to take out a mortgage and then merge them, and the cycle continues."

Jiang Yan smiled, "It's very smart, use the bank's money to expand and seize the market."

Lu Shanmin frowned, "If the capital chain is broken and you can't repay the bank loan, won't you be completely unable to turn over."

Jiang Yan smiled and said indifferently: "Yes, otherwise there would be so many bosses jumping off the building." Shopping malls are like battlefields, this sentence is not a metaphor, but a true portrayal, do you think the big boss is very good".

Jiang Yan looked at Lu Shanmin with a smile, his facial features were clearly defined, there was a youthful heroic spirit between his eyebrows, his brows were slightly wrinkled, with a maturity that did not match his age, his eyes were very bright, like a tiger coming down the mountain, full of bravery.

"Okay, three million, how long will it take to get the loan"?

A smile appeared at the corner of Jiang Yan's mouth, she could see that Lu Shanmin was not a reckless person, as the saying goes, the country is easy to change, and the nature of the country is difficult to change, a mountain man who has only been in the East China Sea for a year, and has more than 20 years of small-scale peasant consciousness, in the face of the oncoming challenge of business awareness, she can make a choice so quickly and decisively, which makes her a little impressed.

"It's decided? This is a point of no return, I don't need to say more if you win, if you lose, you will lose your reputation and die."

Lu Shanmin's eyes were resolute, and he said lightly: "I have nothing, I can't let her fight alone in front of her, the men in the mountains understand this truth."

Jiang Yan raised her eyebrows, "She"?

"A friend of mine".

Jiang Yan smiled, but there was a hint of imperceptible bitterness in her smile.

"She's lucky to have you as a friend."

Jiang Yan looked at her watch, "Three days, tomorrow bring the relevant materials to the Donghai Development Bank and report my name"

After speaking, Jiang Yan smiled at Lu Shanmin, "Little brother, I still have something to do in the evening, my sister won't accompany you, thank you for dinner."

Walking out of Wanhui Center, Jiang Yan's words could not be calmed down in her heart for a long time. 'Can you borrow money, can you keep borrowing money, can you borrow more money'.

In his inherent concept, a company should strive to make a good product, then sell the product to make a profit, and then rely on the profit to expand.

However, Jiang Yan's words completely broke this line of thought.

If an enterprise wants to expand rapidly, it is necessary to quickly occupy the market, and it needs money to quickly occupy the market.

Borrow money, borrow money from the bank.

Lu Shanmin is no longer the ignorant mountain man he was at the beginning, he vaguely feels that Jiang Yan's words are not completely right, but he doesn't know what is wrong.

The key is that now, the development of Parkway District is imminent, and there is not much time left for him, and this is the only opportunity for him to grow up as soon as possible and fight side by side with Yaqian.

And the only way for him.

Lu Shanmin didn't leave immediately, he was waiting for another person.

Xiao Bing changed into a white cap, swaggered into the western restaurant, and sat opposite Lu Shanmin, with a smile on the corner of his mouth.

"That woman was good just now."

Lu Shanmin looked around, frowning slightly.

"You just swaggered out like this, not afraid that people will see you"?

Xiao Bing didn't care, "You also underestimate me too much, I have always followed others, and no one can follow me quietly without letting me find out."

Xiao Bing beckoned to the waiter and ordered a steak.

"Don't worry, Chang Zan's subordinates are disciplined and have a clear division of labor, Jiang Tao will not interfere in Fu Liang's affairs, the people in the hidden casino are hiding in the dark for fear that others will see it, and they will not send people to follow me, as for Fu Liang, the stupid big man now trusts me the most."

Lu Shanmin's eyes widened and stared at Xiao Bing tightly, "Are you sure I will make a move against Liang, Jiang Tao will not make a move"?

"Chang Zan, a scholar, doesn't believe anyone except himself, and the most taboo is that several of his capable generals are too close to each other, so that they will empty him, so several generals under Chang Zan's command will definitely not make a move before they get an order."

Lu Shanmin smiled, "What kind of person you are, who you hate the most, when Chang Zan followed Luo Xing, he colluded with several backbones under Luo Xing to stand on his own, how did he start, just prevent similar situations from happening."

Xiao Bing took a bite of the steak and said vaguely: "That's right, but those people didn't end well, Chang Zan kicked them out directly after he unified Zhigang Avenue." The two sides did not please each other, and finally left the Parkway District in a gloomy manner."

Lu Shanmin looked at Xiao Bing lightly, "Li Feng is my person now."

The knife and fork in Xiao Bing's hand stopped in mid-air, and he slowly grinned, revealing an excited smile.

Lu Shanmin continued: "I secretly got Guan Peng and the other three and bought their bar."

Xiao Bing's eyes flashed with unprecedented light, and he stopped chewing beef in his mouth.

"I'm going to take control of all the bars on Straight Avenue, as fast as possible."

Xiao Bing put down the knife and fork in his hand, his face was flushed, his breath was short, and he tried his best to suppress the excitement in his heart, if it wasn't for the fact that this was in a Western restaurant, he would laugh out loud desperately.

Although he is not a scholar, this does not prevent him from becoming a person with ideals, although his ideals seem so ridiculous to many people.

People with ideals are scary, and they can give up money, fame, and even life for the sake of ideals.

There was a monk named Daoyan in the Ming Dynasty, and when he saw Zhu Di for the first time, he said, 'If the king can use me, the poor monk is willing to send a white hat to the king'. (The word 'emperor'). This person is a typical person with ideals, his ideal is to realize his ambitions, no money and no officials, and he pesters Zhu Di every day to persuade him to rebel.

When Zhu Di agreed to rebel, he danced happily.

Xiao Bing's current situation is extremely similar to Dao Yan, and Lu Shanmin's tepidness in the past made him somewhat hate iron and steel, and even a little disappointed.

Now the resolute and ambitious Lu Shanmin is the Lu Shanmin he wants to see.

This man, who has always been cold and cautious, his voice trembled a little.

"Big Tiger didn't see the wrong person".

Lu Shanmin does not agree with Xiao Bing's so-called ideals, but people with ideals are often very stubborn. Lu Shanmin is unwilling to argue with him about right or wrong on these vain issues.

"You're now in charge of security for four bars, and you're trying to get the owners of those four bars."

The excitement in Xiao Bing's eyes did not dissipate, "No problem."

"Remember, I don't want security, I want the whole bar. You just have to find a way to get them to sell, and I'll solve the problem of money."

"Good", Xiao Bing's voice was full of power.

"Also, two of the three bars I acquired this time are bars where Lu Fang is responsible for security, and after next week, when Fu Liang finds out, he will definitely blame Lu Fang. You will find a way to add more fire and get the security business of the remaining two bars managed by Lu Fang to you, and Li Feng will cooperate with you at that time."

"Good". Xiao Bing agreed again, "When the time comes, we will take most of the bars on Zhigang Avenue in one fell swoop."

Lu Shanmin's face gradually became cold, "Chang Zan only cares about whether I will be Chen Ran's person now, in fact, he doesn't pay attention to my strength at all, we have to break down his first line of defense in one fell swoop and surround his casino in the center before he reacts."

Xiao Bing nodded, "Fu Liang, Jiang Tao and the person in charge of the casino, only they can contact Chang Zan directly, I have Fu Liang's trust, sometimes I can inquire about some movements about Chang Zan, I overheard Fu Liang last time mentioned that Chang Zan has been absent from the country for a long time, and it is estimated that he will go abroad again recently, so we will take advantage of the time when he is not in the country to give him a surprise."

As he spoke, he stopped eating the steak and got up and said, "I'll go and arrange it now."

Lu Shanmin smiled, this was the first time he had seen Xiao Bing so excited, "Don't worry, can I ask you a question?"

Xiao Bing smiled faintly, "What's the problem?"

Lu Shanmin pointed to the red cap on Xiao Bing's head, "You always wear a cap, are you a bald man?"

Xiao Bing was stunned for a moment, then laughed, and then slowly took off the cap.

With a lush black short hair, standing upright like a steel needle, without the cover of a peaked cap, the whole person is heroic.

Walking out of Wanhui Center, the shopping plaza is brightly lit and crowded.

When he first arrived a year ago, he was dressed in coarse cloth clothes and rubber shoes, and passers-by looked at him like zoo animals.

In just one year, no one can see the rustic atmosphere on him, and there are occasional glances, no longer disdain and curiosity, but the shy admiration of individual little girls.

This year, he has traveled a lot, but he knows in his heart that this road has just begun, and there is still a long way to go before the end.

In the crowd, he saw a familiar figure, dressed exactly as he had that night, and still wearing the black mask on his face.

The man slowly took off his mask, revealing Lushan's true face.

Around forty years old, there is a scar on the left side of his face that extends from the corner of his mouth to the cheek bone. Even if it's a distance, it still looks scary.

He stood not far away, beckoned to Lu Shanmin gently, and then slowly turned around and walked forward.

PS: 5000 words big chapter, one more, less than 5000 words a chapter will be two more