Chapter 107 Psychological Confrontation

"Mr. Su..."

As soon as Su Yu entered the private room, Li Huiyuan stood up and took the initiative to say hello.

Su Yu glanced at him, then gently shook his hand, sat down and said, "Mr. Li, you don't have to be polite. Speaking of which... we are old friends. If you have anything to do, you might as well just say it."

At this time, the other party took the initiative to ask him out.

Su Yu didn't need to guess, he knew it must be a 'bridge loan'.

"I'm honored that Mr. Su can treat me as an old friend." Li Huiyuan responded with a smile, then paused for a while before continuing: "Actually, I would rather not bother Mr. Su, but I would like to have a chat with him. Let’s talk about the money borrowed by our company, Yi Chuang Planning, from the General Loan Company’s ‘bridge loan’, as well as issues related to the agreement we signed when we discussed with Mr. Su last time…”

"Oh!" Su Yu said with a smile, "Mr. Li wants to redeem the share equity conditional transfer agreement that he asked me to guarantee your repayment on time as a mortgage, right?"

With that said, Su Yu took out the document that Li Huiyuan had stamped with his fingerprint from his bag.

He continued to smile and said: "If you have repaid the loan in advance, then this document will naturally be invalid. I can tear it up immediately, or return it to Mr. Li."

"Mr. Su misunderstood, that's not what I meant..."

Li Huiyuan showed a hint of embarrassment on his face and hurriedly explained: "As for the method of repaying the loan, we would like to... have a discussion with you, Mr. Su."

"Let's talk?" Su Yu wondered, "Didn't we already make an agreement at that time?"

"Could it be..."

Su Yu looked at Li Huiyuan with a smile and continued: "Mr. Li wants me to apply for an extension from Mr. Qian again? Or is it that you still can't pay and want me to pay it back for you?"

"That's okay."

"If you really can't pay it back, follow the principles of the agreement."

"I can pay back the 11 million and all the interest on the loan for you."

"It's just that the share transfer conditions agreement that Mr. Li signed and fingerprinted has to come into effect after I repay the loan for you."

"Actually, that's okay. Just think of it as if I used 11 million, oh... including interest, it should be about 12.5 million, to buy a stake in your 'Yi Chuang Planning' company."

"This way, you don't have to pay back the money, and the company also has one less liability."

“We can continue to develop with ease.”

"Oh, that's not right. I remember that the money was originally borrowed in Mr. Li's personal name, and then Mr. Li lent the money to the company. If you calculate it like this... it is equivalent to 50% of the shares in Mr. Li's hands. About 12.5 million yuan was raised, but the money was used by the company, and the company should still owe Mr. Li 12.5 million yuan. "

"But I believe that this money will be used after the company develops and makes profits in the future, or after applying for new bank loans."

"I will definitely return it to Mr. Li."

Li Huiyuan saw that Su Yu had already pointed out the topic. After being silent for a while, he could only bite the bullet and said: "It is really difficult for banks to lend money recently. All the loans we have applied for are currently stuck in the lending step. According to the bank's internal According to the staff, it is estimated that the funds will be released in July.”

"But even though banks have difficulty lending money..."

"Our 'Yi Chuang Planning' company, including me, Li Huiyuan, has never thought about breaching the contract, let alone asking Mr. Su to ask Mr. Qian for another extension."

"After all, there is no other funding channel except bank loans."

“Other social financing channels have not been closed at this time, and many financing institutions have expressed goodwill and investment intentions towards our ‘Yi Chuang Planning’.”

"And the company has also received a large amount of repayment during this period, and the funding gap is not large."

"We are confident that we will complete the repayment of the loan and redeem the conditional transfer agreement of equity interests in Mr. Su's hands within the agreed period."

"Oh?" Su Yu was not surprised when he heard Li Huiyuan's words and asked, "Mr. Li has the willingness and confidence to repay the loan on time, so why did he just say that he wanted to talk to me about how to repay the loan? "

"We are confident that we can raise such a sum of money." Li Huiyuan said, "But in a sense, without the support of bank loans, we have raised this sum of money, and after repaying the loan, we will also withdraw money accordingly. It affects the company’s cash flow and leaves the company with huge operational risks.”

"And through our previous communication with Mr. Su..."

"I know that Mr. Su is very interested in our company, Yichuang Planning, and is very optimistic about the future development of our company."

"So, I was thinking..."

"Since we always have to selectively raise funds and introduce new institutions to join, it is better to deepen our cooperation with Mr. Su."

"After all, you have done us a great favor by extending our loan with your personal credit guarantee, and we should reciprocate."

After Su Yu heard Li Huiyuan's plan, he remained silent for a while.

He was pondering how much of what the other person said was true and how much was false.

According to the current market capital environment, it is indeed unrealistic for ‘Yichuang Planning’ to obtain a large amount of new loans from banks.

And what the other party said was contact with new investment institutions, and even Li Huiyuan raised funds from other channels.

Su Yu believed that the other party must have done this during this period of time.

It's just that there is definitely a gap between the funds that can be raised in the end, compared to a huge amount of funds such as 11 million principal, plus more than 1.5 million in interest.

That is to say...

The other party must have funds at present, but it is not enough to repay the principal and interest, and there is a certain funding gap.

Otherwise, they would not have negotiated with him in advance.

As for what the other party said, in order to thank him for his help to "Yi Chuang Planning", they would give him priority to invest in return, he thought... it should be a lie.

After all, nothing is more important than the actual tangible benefits.

If "Yi Chuang Planning" can find an investment institution willing to invest during this period, and can give a higher actual value than the corresponding shares in Su Yu's hands, that is to say, if the other party is willing to invest, it can also give "Yi Chuang Planning" an overall valuation of more than 25 million.

Then, under the condition that the financing funds remain unchanged.

Whether it is "Yi Chuang Planning" company or Li Huiyuan, they should never choose him Su Yu.

After figuring this out, Su Yu smiled and said, "My sister is in your company, and she has always relied on Mr. Li's care. I use my own credit guarantee and help you by the way. It is also my duty. Mr. Li does not need to worry too much, and naturally there is no such thing as "repaying a favor". "

"But, to be honest..."

"Mr. Li is right. I am still very optimistic about the future of your "Yi Chuang Planning". "

"I also hope to invest in "Yi Chuang Planning" company at Mr. Li's invitation."

"But at the same time, I also hope..." Su Yu paused and stared at Li Huiyuan's eyes seriously, "We can be more honest with each other."

"Mr. Li just said that you have been looking for investment institutions during this period."

"And investment institutions are also willing to help you in times of difficulty."

"I believe this! But I think...any investment institution is not doing charity. The current market investment environment is quite pessimistic, and you are in urgent need of money. Even if the investment institution will accept your financing application, I am afraid it will not give an overly high valuation. "

"Moreover, the investment project of the institution..."

"It takes a long time to go through all the processes."

"As Mr. Li said, it's not that you can't pay back the money, but once you repay the full amount and fulfill the contract on time, it will drain the entire "Yi Chuang Planning" company's working capital, making the company's operations bear huge risks."

"So... then the financing of the institution will naturally be a secondary condition for you to consider."

"Seeing that the financing of the institution cannot give too high a valuation condition, and the time span for the time to be in place is still relatively long, and after you repay the full amount, the company will face great risks, and it is difficult to afford the gamble, so... this is the weighing left and right, and it is on my head, right?"

Su Yu saw that Li Huiyuan's eyes changed slightly.

Without waiting for him to refute, he continued: "Mr. Li, let's talk business. You founded 'Yi Chuang Planning' for almost six years. You understand some truths without me saying them."

"Friendship is friendship."

"But the ultimate basis for cooperation between the two parties is always trust and interests."

"I know that I asked Mr. Li to use 50% of the equity interests of 'Yi Chuang Planning' as a guarantee."

"Mr. Li felt a little uncomfortable."

"I felt that I was taking advantage of the situation and that I was forcing you."

"But in fact, from the essence of the matter, the conditions for this share transfer are The conditions in the agreement are not difficult for you to complete. "

"Through this share transfer condition agreement..."

"What I want to see more is Mr. Li's determination and courage, rather than trying to obtain control of the company 'Yi Chuang Planning' from Mr. Li."

"After all, I am an investor."

"What I want most is not the internal power of the company, but the benefits that the company can eventually create, and the value that my shares can add in the future."

Li Huiyuan was shocked as he watched Su Yu calmly talk.

As Su Yu said, he had approached several investment institutions during this period, but after learning about the financial difficulties faced by 'Yi Chuang Planning', the other party not only did not give timely financing benefits, but after a simple investigation, they frantically lowered the valuation of 'Yi Chuang Planning'.

Shopping mall, shopping mall...

As long as it is related to their own interests, no one will 'help in times of trouble', but many people will 'add insult to injury'.

When Li Huiyuan saw that an institution that he had negotiated with so hard only gave a valuation of 27 million to Yi Chuang Planning, he was so angry that he threw the document on the spot.

Of course, in addition to the financing channels of the institutions.

When the bank financing channels were almost completely cut off, some of the other partners he sought still gave some support to a certain extent.

This allowed him to collect a total of more than 7 million in cash.

It was just more than 7 million in cash, compared with the total loan principal and interest of more than 12.5 million, it was still a long way off.

Seeing that the agreed deadline was approaching, he really had nothing to borrow, so he made an appointment with Su Yu with the intention of taking another gamble, hoping to pry another hole from Su Yu.

"Mr. Su has a keen eye."

After Su Yu completely brought up the topic, Li Huiyuan smiled and said: "The current situation facing our Yi Chuang Planning is indeed as Mr. Su said."

"We have the ability to repay the full amount."

"But at the same time, after the full repayment, the company will face the situation of not being able to pay wages and operate."

Of course, in reality, even if they drained the cash flow of 'Yi Chuang Planning', they could not raise more than 12.5 million yuan. However, in this actual situation, with Su Yu holding the 50% equity mortgage documents, Li Huiyuan would not reveal the truth to Su Yu even if he was in a desperate situation and insisted to the end.

After all, he could only stick to his ability to repay the full amount.

Only by taking advantage of Su Yu's intention to invest in 'Yi Chuang Planning' and being optimistic about the future development of 'Yi Chuang Planning', could he continue the negotiations.

Otherwise, once the truth was revealed.

He would completely lose all his bargaining chips and could only let Su Yu slaughter him.

"So, we sincerely hope that Mr. Su can help us through this difficult time, and we will be grateful."

"How much is your capital shortfall?" Su Yu pondered for a while, thinking that if he insisted on holding on to 50% of the equity, and forced the other party to sell everything to pay off the debt, he would still get nothing in the end. So... it would be better to follow the other party's wishes, do a favor, and give a little help in times of need.

Seeing that Su Yu was willing to give in, Li Huiyuan knew that the negotiation was going to work, and he could not help but calm down and said: "The company has invested a lot of money in several operating projects some time ago. According to the current market financing environment, it will probably take about five or six million yuan to ensure that the company will not have any operating problems before the bank loan is approved."

"Five or six million." Su Yu whispered.

Thinking of this amount of funding gap, it is really a lot for the operating scale of 'Yi Chuang Planning'.

So, he couldn't help but doubt whether the other party was telling the truth.

Seeing that Su Yu seemed to be hesitant in his thoughts, Li Huiyuan hurriedly said, "We can give Mr. Su a discount for capital investment based on the valuation level of 25 million for the entire company. In fact... if we choose off-market institutional financing, the company can get at least 35 million market valuation."

"It's just..."

"As Mr. Su said, the review process of the institution takes time, and we are currently short of time. If it is not necessary, it is difficult to choose this path."

"25 million market valuation." Su Yu pondered it secretly.

When he initially chose to seize 50% of the equity interests in Li Huiyuan's hands, the estimated value of "Yi Chuang Planning" was about 23 million.

Calculated in this way, the conditions offered by the other party are not much different.

It's just that if the capital investment is based on 5 million, it is still a lot worse than his original idea of ​​occupying 50% of the shares.

But this is not without benefits.

At least with this choice, he is a savior and a white knight, not a robber, for Li Huiyuan and Yi Chuang Planning.

The founding team will not be disgusted by his involvement.

At the same time, Li Huiyuan's control is still there, and he still occupies the largest share of the company's "development pie".

This will help the founding team to continue to strive forward, and will also help the healthy development of Yi Chuang Planning in the future.

Moreover, if he doesn't do this...

He believes that once he forces the other party into a desperate situation, the other party will sell everything to pay off the debt, and in the end, the equity rights and interests agreement in his hand will become waste paper, and he will still get nothing, but will offend people, not get any advantage, and get into trouble for nothing.

So, weighing the pros and cons...

Su Yu didn't guess that the other party was in a desperate situation at the moment, and was already thinking of gambling. When negotiating with him, he thought that both sides would take a step back and share the benefits, which was better than a dead-end ending. He nodded and agreed to Li Huiyuan's proposal and said, "Okay, according to the market valuation of 25 million you said, I will invest 5 million funds in you."

Hearing Su Yu's final decision.

The string in Li Huiyuan's heart finally relaxed. He raised the wine glass in front of him with a little too much excitement and toasted to Su Yu: "Thank you Mr. Su for your support for our "Yi Chuang Planning". I also hope that we can work together in the future. I hope that "Yi Chuang Planning" can bring more wealth to Mr. Su in the future."

In the more than ten seconds of contemplation before Su Yu nodded in agreement.

Li Huiyuan was really nervous and panicked. He was afraid that Su Yu would see that he was not confident enough in his heart and force him and the company to death, and forcefully plunder the control of the company.

Fortunately...

When he tried his best to stick to the bottom line and made all concessions.

Su Yu did not see through his bluff and agreed to invest in the company to solve the current financial difficulties faced by Yi Chuang Planning.