"Sorry, I've been a bit cash-tight lately. Chen Cao said.

If it is his friend who needs money, even if it is a loss, and even knows that he can't pay it back, Chen Cao will take out the money.

Even if Gu Lie asked Chen Cao to borrow money, Chen Cao would borrow money.

Because they have had relatively close contact, they know each other well.

In this way, Chen Cao can assess whether his money can be returned, or how much he can get it back.

However, Chen Cao has almost no intersection with Nafa Tangen.

Why lend him money?

And Nafa Donn is a first-line star, if he wants to get money, he can definitely get it.

For example, if you look for a bank mortgage, not only the actual property rights, but also his personal reputation is quite valuable.

The bank was happy to lend money to Nafa Donn, as long as Nafa Donn was willing to pay a higher interest rate.

Nafa Tang's eyes showed a little disappointment, whether Chen Cao said the truth or falsehood, their conversation this time was deadlocked.

"I can take a stake in Marina's restaurant as collateral. Nafa Donn said.

Chen Cao frowned, and at the same time fell into deep thought.

First of all, Nafa Donn's Marina restaurant is only 30% and is not worth $30 million.

However, this is calculated according to the market price, and if you look at the value of the industry and the annual income, Marina Restaurant does have great potential.

But a 30 percent stake is still not worth lending $30 million to Nafa Donn.

If 30% of the shares can be pledged to borrow $30 million, then it is equivalent to the value of Marina's restaurant is $100 million, which is obviously inflated.

Of course, Nafa Donn's personal reputation is worth $30 million.

It's worth it if you just buy 30% of the shares at a price a little higher than the market price, and then you can control 100% of the shares, but $30 million is really too high.

"I'm going to think about it. Chen Cao said.

"Chen, I'm really short on money right now, and I need to get the money as soon as possible. ”

"Don, I want to do it as soon as possible, but even so, I'm going to raise money, $30 million is not a small amount, and I'm going to see if the bank can lend me money. ”

"When will you get me back to you soonest?"

"One day, give me a day to think about it. ”

"Oh well. Nafa Donn nodded helplessly: "I won't bother you, have a good meal." ”

Back in the box, Chen Cao acted as if nothing had happened.

But just now, when they were talking, they were just outside the door, and the people inside also heard what they were talking about.

Of course, neither Zhuo Xiao nor Wang He asked about this.

After all, this has nothing to do with them, and it is likely that some trade secrets are involved.

At the dinner table, Zhuo Xiao and Wang He were very polite.

The four of them were just talking about some Hollywood things.

After the meal, Wang He and Zhuo Xiao politely said goodbye to Chen Cao's family of three.

Only then did Fari speak: "Chen, Nafa Donn asked you to borrow money?"

"Well, I'll ask the pros though. Chen Cao said.

Three million dollars, that's not a small amount.

Even if it is an expenditure of three million US dollars, Chen Cao will calculate it again and again, let alone 30 million US dollars.

"Hey, Mr. Andrews, I'm Chen Cao. ”

"Mr. Chen, is there something wrong?"

"You remember Marina's Restaurant, right?"

"Remember, you have a 70% stake in Marina's Restaurant, do you have any plans?

Marina's restaurant has a very strong revenue capacity, with an annual turnover of more than $12 million and a net profit of more than $6 million, and this is not a start-up industry, but a mature industry, according to the calculation of unlisted industries, it is generally the annual net income multiplied by ten years, and then subtracted by ten years multiplied by the annual depreciation rate of 3% of the dollar, basically the current market value of the industry can be calculated.

At present, most companies or industries, if they are listed companies, the annual increase in market value cannot exceed the rate of depreciation of banknotes, then it is equivalent to a loss, and the operating capacity of unlisted companies cannot exceed the rate of depreciation, which is also a loss.

In short, the listed ones look at the stock market, and the unlisted ones look at the revenue capacity.

These two are important criteria for banks to evaluate the quality of the industry.

If Chen Cao uses 70% of the shares of Marina's Restaurant as collateral, the bank can lend about 1.5~2 times the actual value of the loan.

In a word, the bank is not afraid of you borrowing money, but afraid that you will repay it too quickly.

The more money they owe for a longer period of time, the higher the interest they will receive.

"No, I'm wondering what the other 30% of Marina's is worth. ”

"Hmm, do you mean Mr. Nafa Donn's 30 percent stake in the restaurant?"

"Yes. ”

"The 30% stake has been mortgaged several times so far...... Mr. Chen, does Nafa Donn want to borrow money from you with 30% of the restaurant's shares as collateral?"

"Yes, you're saying that the stake has been mortgaged multiple times?"

Generally, the first mortgage belongs to a high-quality industry, and multiple mortgages need to be split and reorganized many times, and after each split and reorganization, the bank will borrow less and less money, and the interest will be higher and higher, and finally to the point where the borrower cannot repay.

Moreover, the property that has been mortgaged cannot be traded, let alone multiple mortgages.

In other words, even if Nafa Tangen mortgaged 30% of the restaurant's shares to Chen Cao, if Nafa Tangen's capital chain was broken, the bank would have the right of priority, and Chen Cao would not be able to do anything at that time, at least in terms of legal channels, Chen Cao would not be able to rob the bank.

Of course, if the stake ends up in the hands of the bank, it will be a good thing.

Because the bank will definitely give priority to the sale to Chen Cao based on commercial principles, this is also because the property rights of the shares in Chen Cao's hands are clear, and the bank needs to return funds.

Or alternatively, the bank could find a professional manager to take over the property and conduct profitable business.

However, generally speaking, in the case of an individual holding absolute equity, it is impossible for the bank to find a professional manager, because Chen Cao has absolute decision-making power, and even if the stock god comes, he has no right to point fingers at Chen Cao.

"How much does Nafa Donn owe to the bank?"

"Two hundred and thirty million dollars. ”

Chen Cao gasped: "Why does he owe so much money?"

"This guy doesn't know how to manage money at all, he listened to his agent, and put the money into an illegal fund, and now the illegal fund has been exposed as a Ponzi scheme, but the upline of this fund has transferred the money, and several leaders have run away, such as Nafa Donn, this downline can only seek legal ways now, hoping to recover the money, but do you think this is possible, if he can't recover his money, then he will go bankrupt, and he now mortgages almost all the property in his name. ”