Lu Fang immediately nodded and said, "Exactly." General Rongyu, because if I buy all these medicinal materials and send them to Shandong, I will have no more cash in my hands. Now there is another matter, a big pharmacy in the city wants to sell, if I take the opportunity to buy it, I will be able to expand my business, so I have no choice but to borrow money. The general had kept the money with us, and we had kept our promise, so I hope that the general will continue to help me, and still lend me the money, and I am willing to pay more interest than before. ”

While listening to him, Wu Song was thinking: I vaguely remember what was written in the book before the crossing, Lu Fang had no money to do in the crude drug business, and was forced to live in the rivers and lakes, and went to the mountains to settle for the grass, that is, in Shandong.

In other words, if the expectation is good, Lu Fang will lose money by buying a large number of medicinal materials and sending them to Shandong this time. It's a deal that's going to fail.

But I heard Lu Fang say again: "It's really too important for me to buy that big pharmacy, otherwise if it is bought by an opponent, I am afraid that it will be difficult to gain a foothold in this Bianliang City." If the general can't lend me any more money, I'm afraid I'll have to borrow lamb's interest, which is too risky, and I ask the general to help me! ”

Wu Song knew that the so-called lamb interest was a form of usury, which was very simple, borrowing one to repay two. For example, borrow 100 taels at the beginning of the year and repay 200 taels at the end of the year. This interest rate is very high, and if the amount of money borrowed is too large, the amount of money repaid will be very staggering.

At this point, he also vaguely guessed why Lu Fang, who was originally in the crude drug business, failed in business, and finally fell into the grass until he became one of the leaders of Liangshan.

Lu Fang should have too much business ambition and wanted to take a risk, on the one hand, he invested all his blood to buy medicinal materials and send them to Shandong, and on the other hand, he borrowed loan sharks to buy another pharmacy. In this way, once the business on the Shandong side loses money, it will not be able to repay the usury in time, and Lu Fang will inevitably go bankrupt.

In this era, freight transportation was not well developed, and transporting medicinal materials from Bianliang to Shandong would have many risks along the way, and even the loss of money. For example, once the ship capsizes during transportation, or the medicinal herbs are wet by rain, they may be completely destroyed.

What's more, according to what Song Jiang said, Liangshanbo has gathered Wang Lun and other thieves, and Chao Gai and others are also accustomed to robbing homes and houses, which shows that Shandong is now very chaotic. Transporting valuable medicinal materials to Shandong, it is entirely possible to encounter local powerful bandits to take advantage of them, just like Yang Zhi lost his birthday.

Perhaps, Lu Fang was robbed by robbers because of his medicinal materials, so he simply went up the mountain to become a robber.

However, now that Wu Song has crossed over, will the situation change?

For example, Wu Song promised to re-lend the silver money exchanged before to Lu Fang, so that Lu Fang's capital turnover margin was greatly enhanced, and he did not need to bear usury, so even if the medicinal materials sent by Lu Fang to Shandong were lost, he might be able to continue to support them with the pharmacies in Bianjing City, and there would be no need to go up the mountain to be a robber.

Wu Song had a plan in his heart, so he said: "Since your pharmacy kept its promise before, it is naturally not difficult for me to lend you the money for circulation!" ”

Lu Fang was overjoyed and said, "Thank you so much, General!" I'm willing to raise the interest rate by another 20%! ”

According to Lu Fang's algorithm, even if he raised the interest on the money borrowed from Wu Song by two percent on the basis of the past, it was far more cost-effective than usury and acceptable.

Wu Song said: "I can accept a two-percent increase in interest." However, you have to promise me one more condition. ”

Lu Fang said: "What conditions, the general just orders!" ”

Wu Song said: "Whether you buy this batch of medicinal materials or not, don't send them to Shandong, how about it?" ”

When Lu Fang heard this, he was surprised, thought for a while, and said: "General, I found out that Shandong is in chaos now, so there is a shortage of doctors and medicines, and only by transporting this batch of medicinal materials can you make a lot of money." As the saying goes, wealth is in danger, but the general is worried that the risk is too great, and he is afraid that I will lose money and not be able to pay back your money? ”

Wu Song nodded and said, "This kind of worry is naturally there. ”

Lu Fang was still unwilling to give up, and said: "Don't worry, general, if I really lose money in Shandong, I am willing to lose both pharmacies in Beijing and China to the general!" ”

Wu Song said: "I don't want to do business, what use do I want your pharmacy to?" It is also very troublesome to sell it to others for cash. Besides, since I lend you money, it is equivalent to investing in you, so I naturally expect your business to get better and better, and I can also share more dividends. I'm not against doing business and taking risks, it's just that it's too risky to go to Shandong, and I've heard that there are already anti-thieves in Liangshanbo and other places in Shandong, and these anti-thieves are robbing homes and houses all year round, and they need medicinal materials the most. Your medicinal herbs are transported there, but I am afraid that you will lose all your money. It's better to ship it elsewhere and earn some safely! ”

Lu Fang lowered his head and pondered for a moment, and said, "Since the general said it, Lu Fang followed the general." This batch of medicinal materials, sold elsewhere, can also make some money, but it is not as profitable as Shandong! ”

Wu Song took Lu Fang and returned to his residence. When Pan Jinlian saw him returning, she naturally cheered. Wu Song didn't hurry to talk to her first, took out a box of silver, and gave it to Lu Fang.

Lu Fang was satisfied, thanked him repeatedly, and went with the silver.

Pan Jinlian originally wouldn't have asked about the money. But because Wu Song exchanged silver money everywhere before, just in case, to take her out of Bianjing, but at this time he lent the silver money to others, so he couldn't help but be a little confused.

Wu Song explained his plan to her.

Because Wu Song at this time already has a relationship with Cai Jing, especially Cai Jing's fifth son, Cai Ying, who is grateful to Wu Song for saving his life, and will give Wu Song some care, so even if Gao Yu turns his face ruthlessly and wants to retaliate against Wu Song, Wu Song can also have some room for maneuver, and he may not necessarily leave Bianliang in a hurry.

Therefore, he plans to wait and see what happens and stay in Bianliang to develop. After all, Lin Chong's mother has not been completely rescued. What's more, the silver money he relented to Lu Fang was only a part. In case of emergency, you can still take Pan Jinlian immediately.

As for why he lent money to Lu Fang, who was not familiar with him, so easily, Wu Song also had his own plans.

Ma Kui kept the money in Lu Fang's shop before, and Lu Fang really kept his promise and let Wu Song take Ma Kui's receipt and successfully exchange it for silver money. What's more, as a traverser, Wu Song knows that Lu Fang's martial arts are good, and his character is not bad, among the heroes of Liangshan, compared to those disgusting people, Lu Fang is a real hero.

Lend money to Lu Fang, firstly, you can continue to invest, and secondly, you can also form a relationship with Lu Fang, a good man.

Since Wu Song intends to strive to stay in Bianliang for development, and to make contributions in this era, at least be able to do something and ensure the safety of one party, then he will naturally realize that he needs to make more money and gather more real heroes as friends.

Wu Song himself does not know how to do business. Therefore, if you can use someone like Lu Fang to do business and make money on your behalf, why not?