Tycoon: I Have an Unlimited Modifier

The Series B funding was almost guaranteed to skyrocket.

As a smart man, Zhou Yu certainly wasn’t foolish enough to wait until Spicy King went public before trying to curry favor with Qi Sheng.

If he really waited until then, even a branch president like himself might not have the standing to meet Qi Sheng.

The helmsman of a hundred-billion-yuan giant would be dealing with top executives from the Chengdu Head Office of China Construction Bank.

”To be honest, President Zhou, several of our group’s projects are currently in full swing, and funds are a bit tight.”

”I’m planning to put some of my properties up as collateral, and I was hoping you could give me a satisfactory valuation, President Zhou.”

Qi Sheng didn’t beat around the bush and stated his request directly.

”A small matter.”

Zhou Yu breathed a sigh of relief, a smile returning to his face.

”As long as there’s collateral, it’ll be very easy to handle.”

”That’s great. At Huayue Mansion, I have two entire floors. They cost me over sixty million back then.”

”Additionally, I have properties in Yitai Tianjiao, Renheng Riverside Bay, and Lushan Changdao International, which cost another forty million.”

”All these properties cost me 110 million to buy, and their current market value is around 130 million. How much can you help me get for a loan, President Zhou?”

After tallying up his personal assets, Qi Sheng startled even himself.

”That many properties?”

Zhou Yu was also shocked. ’As expected of a top-tier scion,’ he thought.

The properties he owned were spread across all of Chengdu’s most prestigious luxury residential complexes.

”It’s nothing worth mentioning.”

Qi Sheng gave an understated smile, which paradoxically made him seem all the more profound and inscrutable.

”Normally, a property-backed loan can get you seventy percent of the value at most.”

”However, Chairman Qi is an ultra-high-end private banking client with China Construction Bank, and you also own multiple companies with excellent credit.”

”I can get you ninety percent. As for the interest rate, we’ll set it at 4%. It’ll be a three-year term, interest-only, with the flexibility to draw and repay at will.”

Zhou Yu wasn’t the least bit worried about Qi Sheng’s ability to repay the loan.

These luxury properties also had significant appreciation potential.

Even if the bank ended up having to take them over, they wouldn’t lose any money.

”Perfect. We’ll do as you say, President Zhou.”

Qi Sheng was very satisfied.

A ninety-percent loan-to-value ratio was definitely a privilege an ordinary person could never imagine.

The 4% interest rate, on the other hand, was hardly worth mentioning.

After all, the loan amount was substantial.

A rate that was too low would be unjustifiable.

It was, in fact, perfectly consistent with the rate he got for his mortgaged office building.

”Haha, as long as Chairman Qi is satisfied.”

Zhou Yu also breathed a sigh of relief. He had been worried Qi Sheng might be too greedy.

It now seemed that Qi Sheng was not only powerful but also reasonable.

”Manager Wang, serve the food!”

Wang Qi, who had been waiting at the side, was utterly shaken.

As a mere employee, he didn’t even have a roof over his head in Chengdu.

And yet his own boss’s luxury properties were worth a total of over one hundred million.

The gap between people was especially stark at that moment.

Since it was lunchtime, Zhou Yu didn’t drink too much.

Still, he and Qi Sheng each managed to finish a bottle of aged Maotai.

”Chairman Qi, the quality of this restaurant of yours is truly top-notch in Chengdu!”

Zhou Yu was full of praise for the food, giving Qi Sheng a thumbs-up.

”If you like it, President Zhou, feel free to come by more often. We’re friends; there’s no need to be so formal.”

Qi Sheng beckoned to Wang Qi, who understood and handed over a black, metallic VIP card.

”President Zhou, our group recently launched a membership system.”

”You can use this Black Gold Card at any restaurant or hotel under the Shengxuan umbrella.”

”This includes, but is not limited to, restaurants like Spicy King and Zifei, as well as hotels in the Banyan Tree Series.”

Zhou Yu looked at Qi Sheng, not knowing whether to laugh or cry.

”Chairman Qi, you’ve really mastered the playbook from our banking world!”

”Haha, I’ve had this idea for a while, but I had too few resources back then. Now, I’m just barely qualified to pull it off.”

Qi Sheng just smiled, not denying it.

Many groups played the membership system game.

But absolutely none would be more successful than Qi Sheng.

Qi Sheng could easily take control of companies that others failed to acquire.

For now, it was only Zhuangyu Catering and Banyan Tree Group, but more companies would join in the future.

When that time came, the Shengxuan Group membership card would become incredibly valuable.

By then, the prestige of pulling out this card...

...would be no less than that of a private banking black card from a major bank.

”President Zhou, the card in your hand is the highest tier in our Shengxuan Group membership system, the Black Gold Card. It comes with a one-million-yuan credit line and offers services like advance reservations and exclusive private room bookings.”

Wang Qi’s savvy introduction made Zhou Yu accept it with a pleasant surprise.

”Well then, Chairman Qi, I won’t be modest.”

Zhou Yu admired the Black Gold Card, personally designed by Qi Sheng, unable to put it down. Only after a good while did he carefully place it in his cardholder.

Although it wasn’t cold, hard cash, it was equivalent to a generous gift that could be monetized.

All he had to do was make a phone call, and in return, he received such a generous gift.

Naturally, Zhou Yu was more than satisfied, and he continued to drink and chat cheerfully with Qi Sheng.

...

After finishing his meal with Zhou Yu, Qi Sheng immediately contacted his girlfriends.

He held a brief meeting with them.

Upon learning that Qi Sheng needed money, Tan Hua and the others even offered to transfer all their savings to him.

”I appreciate the thought, all of you, but it’s really not necessary.”

Qi Sheng smiled and waved his hand, declining his girlfriends’ kind offer.

He needed big money, not the million or so they had in their accounts.

”I’ve contacted China Construction Bank. I plan to use our properties as collateral to take out a loan...”

Before Qi Sheng could even finish, he was moved by his girlfriends’ immediate actions.

”Honey, take our property deeds. Use them however you want. It doesn’t even matter if you sell the places.”

Tan Hua, as his official girlfriend, was the first to declare her support.

”Mhm, us too! You can use ours however you want, Qi Sheng.”

Du Xinxin and the others were, of course, completely supportive of Qi Sheng.

Their man was ambitious and working hard on his career; they couldn’t be more supportive.

In fact, they would be more worried if all Qi Sheng did every day was indulge in wine, women, and song.

”Hehe, since you’re all so understanding, as your boyfriend, naturally I have to know how to repay you.”

Qi Sheng struck a pose as if to let them have their way with him.

”Tonight, you can ravish me to your hearts’ content. I promise I won’t resist.”

”Oh, get lost! All you know is how to sweet-talk us.”

Zong Rui was the first to scoff at him, a sentiment echoed by the other women.

She hadn’t had a chance to be alone with him since he’d gotten back.

”Don’t worry, I’ll be sure to take good care of you tonight!”

Qi Sheng gave Zong Rui a suggestive look, causing her to blush and shoot him a playful glare.

’Among all my girlfriends, Ruirui has to be the most assertive,’ he thought.

’Her figure is a solid 98 out of 100. It’s only because she’s so busy overseeing the progress on the villa; otherwise, she would’ve been all over me by now.’

’But tonight, no matter what, I have to brush up on my neglected ball-handling skills.’

’As an excellent shooter, one’s ball-handling must be masterful.’