The financier finished the whole set of "financing PPT" in the shortest time, and it can be seen that Uncle Ma has made sufficient preparations for the grand cause. Seeing that Yang Hong didn't speak, he cautiously asked the question he was most concerned about: "Classmate Yang, how do you know that I need start-up capital, and why do you feel free to lend me your uncle's money?" Ma Yong said that you and He Tao are classmates, and you and Ma Yong are not particularly familiar with each other, aren't you afraid that I will lie to you? You can't be here to entertain me, are you? ”

Yang Hong replied to the question with a sophisticated response: "Uncle Ma, just scared or amused, I won't come over today." I also heard Ma Yong say it by chance at a dinner when you need funds, and I fully understand your concerns; The spare money is also my uncle's, he doesn't know the situation in Tiandu, I only know one thing, you can't use his money to find someone you don't know to vote, right? The choice is a two-way street, if you think about each other for too long, the opportunity will flow through your fingers like a grain of sand, and I don't understand the risk control, so it's up to the professional to decide. Uncle Ma, I would like to ask, how much money is needed for your project, and how much has been raised so far? ”

Uncle Ma suddenly felt a little anxious. Since his nephew learned that someone could invest in him, he never thought that he could borrow a penny from Yang Hong; Not to mention age and other issues, just whether the future business can be successful, he is not 100% sure, the successful cases around him continue to stimulate himself, unwilling to be a white coat for a lifetime, he decided to give it a go; Hearing Yang Hong's hint, he was vaguely worried, a big man doesn't even have a little gambling sex, what big deal can he achieve?

He spread a few IOUs on the table and said helplessly: "Don't hide it, the road to borrowing money is extremely twists and turns, the early start-up capital needs one million, I borrowed everything I can borrow around me, barely scraped together to 200,000, and the gap with my goal is quite big." Mr. Yang, how much can you lend me? Yang Hong asked: "Uncle Ma, if the funds are in place, when are you going to start working?" Uncle Ma thought that there was a play, sat up straight and replied, "Naturally, the sooner the better." I have done several rounds of inspections in the south, the goods have been selected, I am also optimistic about the shops in Tiandu, and the rent has also been inquired clearly, and now I am waiting for the rice to be cooked; I calculated, and then take the family house to the bank for mortgage, and I can still make up one or two hundred thousand, and then I asked my father's colleague to borrow some, and it is difficult for a good woman to cook without rice. Looking at the man in front of him who was full of fighting spirit but lacked determination, Yang Hong believed that he was a person who wanted to do things. took out a huge black plastic bag from the travel bag on the ground and put it heavily in front of the other party, Uncle Ma was stunned at first, saw Yang Hong's eyes full of trust, and driven by curiosity, he reached out and opened the bag, which was a whole bag of cash!

Uncle Ma was so frightened that he ducked back, feeling like he was being choked by the throat, and he couldn't speak with his mouth open. Yang Hong took two documents prepared in advance from Lawyer Wang's hand, put them in front of him and said, "Uncle Ma, why don't you order a little first, there are 500,000 cash here." It's not to lend you money, but to invest in you according to my uncle's wishes, but he asks for a contract that we can sign, that's okay, right? I heard my uncle say that personal investment is very popular in the south, I wonder if you have any requirements for the proportion of equity? ”

Uncle Ma drank the ice water on the table, and under the stimulation of the low temperature, he relieved himself: "This is to lend it to me?" Villain first and then gentleman, what conditions do you have to say in front, I have never seen such a pleasure, don't give me any tricks? If I had a loan shark, I would not have borrowed it, and if the transaction was not completed, my home would have been ruined again. In order to dispel his concerns, Lawyer Wang picked up the investment agreement on the table to explain the terms, Uncle Ma just nodded blankly, Yang Hong struck while the iron was hot and said: "Uncle Ma, if calculated according to the start-up capital of one million, we can increase the investment of another 10,000 yuan and ask to become the controlling shareholder of 51%, but then you will be led by our nose, and at the same time, it will also increase the invisible burden on you. Since you choose to do long-term, you will not do short-term business, you see that the terms in the agreement are not such a setting, you can also find your own lawyer friends to see, if there is a request, we can sit down and talk. ”

Seeing that Uncle Ma didn't speak and no longer looked at the agreement, Yang Hong picked up the agreement and flipped through it casually and said: "I don't think your mind is on the agreement, although I am not as professional and rigorous as lawyer Wang said, I still directly said the requirements: after the establishment of the company, we will not participate in the actual operation of your company in the future, only enjoy dividends and share risks, and my expectation that the equity proportion is 25%!" At the end of this agreement, there is a clause that you have a seven-day hesitation period, and if you regret it within seven days, you can return the money to terminate the agreement, and there will be no liquidated damages; After seven days, we have to execute the agreement and sign the final contract, and if we regret it at that time, we will face high liquidated damages! Of course, we don't have to ask for dividends for the first two years! ”

Uncle Ma can't wait to cry, how can there be such a big bargain in the world? In order to start the capital, he begged people everywhere, and only got 200,000 yuan with a hot face and a cold ass, Yang Hong heard that he was in trouble, so he made an investment of 500,000 yuan, not a loan, and asked for only 25% of the equity! It doesn't make sense to say that these are all traps. The other party actually gave a seven-day grace period, and these seven days can be completely consulted by a professional lawyer, or financing from other places. But looking at the person in front of him, he can't guess his true motive at all, is he so sure that this business will make a profit?

Yang Hong saw the other party's doubts, picked up the pen and filled in the agreement with 25% of the equity proportion and the hesitation period period, signed the corresponding position and pressed the fingerprint, put the agreement on the table and said: "Uncle, I believe you can do a good job, I have enough confidence in this, I signed the agreement, you can take the money and the agreement today, and according to the agreement, there is seven days to consider." You don't have to rush to reply today, you can do it anytime within seven days. Uncle Ma looked at the agreement and then at the money, and asked puzzledly, "Aren't you afraid that I will run away with the money?" Why 25%? rather than a higher percentage of equity; What does it mean to not pay dividends for two years? Why do you choose to invest instead of borrowing like everyone else? ”

Yang Hong replied: "The vision of borrowing money is too short-sighted, if I lend you 500,000 yuan, you will give me 50,000 yuan of interest at most, if inflation is added, 50,000 yuan will be reduced in a few years, after all, currency does not maintain value; 25% is a rational equity proportion, I want 50% of the equity, in the future your business will become bigger, for the sake of interests, it is bound to dilute my equity through other investors, I don't need to be aggressive. I need to say that it is difficult to guarantee that you will make money in the first two years of doing business, which is the law of business; The last question, of course, I'm afraid that you will run away with the money, and at the same time you will miss an opportunity to be a big boss, which is more important, I think you yourself should be very clear, uncle. A few years later, Mr. Ma is already a well-known businessman in the local area, whenever someone asks about his family history, he always smiles and says, when a stupid boy invested 500,000 yuan in me, the interest rate is lower than that of the bank, and the shares are lower than the relatives who borrowed money, so I started my home.