The reason why Celebrity Chef Manufacturing is so famous is because their first investment and franchising conference was a great success.

A total of 400 stores have been franchised across the country. It is said that they originally only wanted to open 200 places to test the water. Who would have thought that even giants like Yida would enter the market?

Moreover, these 400 stores are now doing prosperous business across the country, and their daily net profits are quite astonishing. Almost most of the people here are bank personnel.

Therefore, they have access to a lot of first-hand information. Many of the franchise stores created by famous chefs have accounts in their banks, so of course they know the flow of those stores very well.

In their view, the profitability of this chef's business is different from the figures boasted about water injection in other project research reports. They are real and may even be underestimated.

And now Xiao Feng said that the second investment and franchising conference will be held next year. There are more than 3,000 merchants across the country who are interested in joining. In the eyes of the people in these banks, this is definitely not bragging or trying to spread the pie.

They really have such strength and such a profitable store. To be honest, if they had the ability, they would want to open one and join it.

With the opening of 1,000 franchising places, the franchise fee will increase?

Even if it is based on the original franchise fee standard of 2 million yuan, the franchise fee alone is already 2 billion!

Isn't this two billion enough to repay these bank loans?

What's more, they still have advertising fees, decoration fees, various ingredients fees and other messy expenses. If this franchise conference is a success, it is estimated that Celebrity Chef Manufacturing will earn another 3 billion.

Not a problem.

So is this 2 billion loan still a big problem?

Obviously not!

"I plan to use this investment and franchise fee as a second source of repayment. Do you think it is acceptable?"

Xiao Feng smiled and asked the syndicate representatives present. At this time, all the syndicate representatives were silent. Indeed, there was no problem at all!

It’s just that when the time comes, you, uncle, don’t repay the loan in advance, that’s fine!

"Well, Mr. Xiao, we have no doubts about the source of your repayment, but you also know that our bank always requires some collateral when approving loans. What do you plan to use as collateral?"

This was a pot-bellied representative from Bank

As for celebrity chef manufacturing, they plan to use the Twin Towers as collateral.

But this is normal for these bank bosses. How can the leaders have time to read your financing plan carefully?

"Well, it's already written in the refinancing plan. We plan to use the Twin Towers for mortgage financing."

Xiao Feng looked at the representatives of the syndicate and said, because he could see that when the fat man asked questions, the representatives of the syndicate all pricked up their ears.

Obviously everyone is very concerned about this issue!

"This time to purchase the Twin Towers, we at Celebrity Chef Manufacturing plan to use 2 billion of our own funds, and the remaining 2 billion will be borrowed from banks. Everyone knows our profitability, and I also said that we will start

The investment plan, the first repayment source and the second repayment source have been prepared, and now we have taken out the building as a mortgage, we are very sincere. The quoted price of the building is 4 billion, but you must also understand that this

The building is definitely worth more than this amount, it will only be higher. The discount rate for your bank's mortgage financing is seven floors, and the discount rate I offer you is already close to half. It can be said to be full of sincerity. I don't know if you have any doubts.

?”

Since everyone was so concerned, Xiao Feng still gave a good explanation, and many people's hearts returned to their stomachs.

But there was still a small group of people who seemed unwilling to give in. A thin middle-aged man wearing glasses suddenly asked: "So, Mr. Xiao, have you ever considered using some of the shares made by famous chefs as collateral? I think

This will provide better results and make it easier to raise funds.”

Xiao Feng had been worried about this problem before, and when Xia Hongtao, who was sitting next to him, heard this question, he suddenly sat upright, stared at the person closely, and then whispered quietly next to Xiao Feng.

"Mr. Xiao, why don't you leave it to me next?"

Xiao Feng turned to look at him and saw that his eyes were very confident, so he nodded.

"May I ask, which bank do you belong to?"

Xia Hongtao came off the stage. He was very impressive from the beginning and asked the person directly.

The man was stunned for a moment, then replied: "I am the representative of X Wave Bank."

"X Wave Bank? It doesn't seem to have a branch in Bincheng, right? Speaking of local banks, can you handle inter-provincial business?"

"Well, we don't have a branch in Bincheng, but we have a brother fund company. I came here with their representatives this time. If possible, we can provide you with financing through other channels."

The thin middle-aged man replied with some embarrassment. Xiao Feng couldn't help but get angry when he heard this. You can't give a loan directly. Why are you here to join in the fun? He looked at President Feng angrily.

President Feng also scratched his head in embarrassment and quietly explained to him: "X Wave Bank, as you know Mr. Xiao, is the most popular private bank in Jiangsu and Zhejiang. It has sufficient funds and relatively low lending rates, so I..."

Of course Xiao Feng didn't believe it. President Feng was completely out of good intentions. There must be something fishy between him and that bank.

"Let me introduce myself to everyone. I am the deputy CFO of Celebrity Chef Manufacturing Group. My name is Xia Hongtao. This time I am accompanying Mr. Xiao..."

After all, Xia Hongtao is a veteran who often deals with banks and financial institutions. He is very experienced and took the lead in the venue with just a few words.

"...Here, let me give you an explanation and explanation! Because we have the first source of repayment and the second source of repayment as guarantee, and we also took out the building as a mortgage, so I think our company's

Sincerity is already sufficient. As for the shares, we have no intention of using this part as collateral. If the representatives of banks and financial institutions can accept the conditions we have proposed before, then we can keep them. If not, we can now

left."

Xia Hongtao's words were very strong, and they opened Xiao Feng's eyes. After all, except for President Feng, he had never dealt with people in the financial world before, and he didn't know how to deal with them.

Xia Hongtao taught him a lesson today. Of course, the reason why he dared to act so strong was mainly related to the strong manufacturing performance of the corporate celebrity chef behind him.

Otherwise, he would never dare to behave like this in front of bank representatives!

As soon as he said these words, everyone present was in awe, and then everyone stopped talking. Everyone knew that it was time to see the real chapter.

That's what negotiation is like. The bank's doubts and conditions have been explained to you by the other company. If you can accept it, you can stay. If you can't accept it, you can leave.

Now it's time for the major banks to understand the conditions proposed by the companies.

"Okay, since everyone plans to continue to cooperate with us, I have a few questions. What are the interest rates you can provide?"

Xia Hongtao went straight to the point. Representatives from the major banks present at the meeting couldn't help but frown. This guy doesn't play by the rules!

Generally, when it comes to interest rates, even if it is a syndicated loan, everyone has discussed it privately. What do you mean by asking this in front of everyone?

"I might as well give you the bottom line. The loan interest rate between us and Binhai Bank is a 30% reduction from the benchmark interest rate. I hope that the interest rate you can offer will not be higher than this point. If you can't accept it, you can leave now.

, we can obtain funds through other channels."

Xia Hongtao's strong performance made the bank representatives present very uncomfortable. The base interest rate dropped by 30%. Although the bank could still make money, the profit margin was much lower than expected.

This knife is really cruel, but if you don’t accept leaving, everyone is reluctant to do so.

Firstly, even if interest rates go down, everyone can still make money. Secondly, everyone is optimistic about the future development of celebrity chef manufacturing. If we can't cooperate with them this time, it will be difficult for us to cooperate in the future.

Nowadays, the financial industry is not easy to deal with. Everyone is facing the problem of shortage of high-quality assets and few high-quality customers, and celebrity chef manufacturing is a rare breath of fresh air.

"Okay, since everyone hasn't left, it means they can accept our conditions. But I took a look at the banks and financial institutions present at the meeting. There are thirteen in total. But in order to reduce our company's financial costs and facilitate enterprises

For accounting, we decided to only find five partners this time, so..."

When the bank representatives and financial institutions present at the meeting heard this, they couldn't help but cursed mentally. This guy's conscience has been greatly damaged. This is it.

What he meant by this was clearly to ask the thirteen companies present to compete for the five cooperation places!

How to compete? Just lower the interest rate quote. If you don’t lower it, they won’t cooperate with you!

This situation usually occurs with central enterprises. Because they are the biological sons of the country, central enterprises have strong bargaining power in front of banks and can often obtain loans from banks that are much lower than the benchmark interest rate.

But this kitchen manufacturer is a private company, and now it is acting so strongly, which makes everyone feel very uncomfortable, even a little uncomfortable to the extreme.

After Xiao Feng watched Xia Hongtao's performance again, he couldn't help but sigh in his heart. This man really made a mistake. He was indeed a professional with MAX professional skills!
Chapter completed!