The reward that Aya said will probably take a few days to be implemented, and during this period, Luo Ming is just taking care of the affairs of the territory, and at least the first layer of foundation must be laid.

"Young master, you look a hundred times more glamorous than those poor bastards. Why do you want to borrow money from me?"

Talking and laughing with Luo Ming was a merchant in the county town of Vanchy in the Barony of Miana, Goth.

This gentleman is slightly fat, over forty years old, although he is a little grateful, but his eyes are shining.

The clothes are similar to those of the nobility, but the color is slightly dull, but the large ring on the hand directly reflects the wealth.

It is said that he has three shops in the county town, and he also spent money to donate the name of a lord, which can be regarded as a small and powerful merchant, which is just right for the status of Luo Ming's knight today.

"Oh, if a merchant can lend a sum of money, shouldn't he thank the gods for blessing and make another business?" Luo Ming asked with interest.

"That's usually true, but it's different for a hero like you. ”

Goth said with a smile that was not flattering, "Profit can be made at any time, but friendship with you is a rare opportunity." If you feel that this loan is inappropriate in hindsight, it will inevitably hurt our friendship. ”

Favor investment...... It's no wonder.

Luo Ming will not be arrogant and inflated casually, but he will not be too arrogant either.

He knew that as a young new nobleman and a high-ranking swordsman, he was the first to kill the head of the city and even kill the demons...... Of course, it is a worthy object for ordinary businessmen to befriend.

"Don't worry, I'm a person of integrity, and if I suffer a loss because of my own misjudgment, I won't just be angry with others.

By lending me this money, it is a sign of friendship. ”

He felt that this businessman was a partner to cooperate with in a short period of time, so he said a word of relief.

Then, he cut to the chase: "As for our friendship, in the words of a businessman, it would be better to change it to a lower set of conditions, right?"

Goth's face was curious, but Luo Ming didn't give him a chance to answer, and then said:

"I'm going to use a small manor as collateral and borrow a thousand gold coins from you for the development of the territory and other affairs. ”

"A small manor, a thousand gold coins pledged?"

Goth thought for a moment...... To be honest, it's a bit of a lot.

Generally speaking, a small estate, even if it is sold, is still a little short of this number.

"It's just a small manor written on the paperwork, but the mortgage also has my own reputation, isn't it?

Then he simply took out a piece of parchment and pushed it in front of Goth.

"That's my condition, what do you think?"

Goth had the illusion that the man in front of him was not a warrior, not even a nobleman, but a fellow usury merchant.

He took the parchment and looked at it, frowning at first, but gradually it stretched out, and even involuntarily let out an exclamation.

"If you go into the money lending business, you can make a lot of money. ”

Putting down the parchment, he looked puzzled: "You don't plan to borrow this money from me and then lend it to someone else as a loan shark?"

"How is this possible. Didn't I write this?", Luo Ming said, pointing his finger to the parchment.

There is a sentence there that reads: "If this loan is used to spend money in the Gothic store, it will be discounted by 70%. ”

Specifically putting forward such a condition, it proves that Luo Ming will definitely use part of the loan to buy things.

Although it is said that it is necessary to give a seven-fold discount, but in fact, it is not a loss at all, and the businessmen in these years have not been grasped by the government's macro-control hand, and it is common to raise prices, and even if this price is seven percent off, there is still some profit margin.

In this way, the money is equivalent to flowing back into the hands of the Goth, he is equivalent to giving the goods, and when he returns the money, he receives gold coins.

The two discussed for a moment and revised some details, and finally signed the agreement.

Luo Ming borrowed 1,000 gold coins, and returned 1,210 gold coins at this time two years later, which means that the annual interest rate is 10%.

Although the merchants prefer usury, rolling interest, donkey rolling, etc., but if a nobleman is given usury, if he can't pay it back completely, there is a probability that he will be forcibly repaid. So this rate is just right.

The next day, Luo Ming returned from the county town with two truckloads of goods and three people.

Even the four strong oxen pulling the cart were part of the cargo.

The efficiency of arable land for a cow can be as high as that of four or five peasants, and although it may take years to recoup the cost of land rent alone, grain is a precious capital in this era.

Most of the vehicles were carrying tools, including more advanced farm tools, woodcutters and carpenters' tools, and so on.

He was followed by three men, one a potter, one a carpenter, and one a blacksmith apprentice who was almost out of school.

Neither potters nor carpenters are the best in their trade, but their crafts are qualified.

The potter burned ordinary clay pots and bricks, and the carpenter was mainly responsible for the maintenance and production of all kinds of woodwork, but he could also direct the construction of ordinary bungalows, after all, many houses were framed in wood these days.

And the blacksmith apprentice was a surprise - the old blacksmith had carefully trained him in order to recruit a son-in-law for his retirement, but Luo Ming said something to the old blacksmith: "He has a foothold in my territory and opens a branch of the blacksmith shop, and you can enjoy a better life." I'm just about to open up a wasteland, and I can give you a portion. ”

Who wouldn't want his son-in-law to succeed in his career, so the old blacksmith kicked him straight to Luo Ming, and made him swear that if he didn't do something, he wouldn't want to fulfill his marriage contract.

Anyway, the blacksmith doesn't have to worry about working anywhere - he can get land at Luo Ming's place, and build a blacksmith shop for free - this is really not a bad condition.

But Luo Ming also has his own plans - the blacksmith shop is built on his territory, and no one can move it, even if the blacksmith leaves, he is not afraid of not being able to recruit manpower.

Lormin didn't expect the little blacksmith to be able to craft good quality weapons—nails, scythes for harvesting, or anything in the short term.

All these measures are to consolidate the foundation of the territory - but this territory is not very large, and it does not take so many gold coins to consolidate the foundation.

A large part of the remaining gold coins went into the hands of slave traders whom the Goths knew.

Although there is also the possibility of "killing ripe", but such a sum of money is not worth Goth's hands, his personal property is conservatively estimated to be more than four times this money, if Luo Ming finds out that he is greedy for this small amount of money, he may be cut down, this is not worth it.