Singlehood Bliss and a Fifty Million Loan!

"This was already the third bank today." Standing beneath the four large characters of ICBC, Gao Yuan could not help but sigh.

Since morning, Gao Yuan and Cao Feiyu had been running around nonstop. They first went to Song Kun to collect the patent license, then headed to China Merchants Bank, recommended by Gao Yuan's father, where they found Director Leng Guoliang.

For over a decade, all the factory's accounts and payments, including Gao Yuan's family's personal finances, had been handled through China Merchants Bank.

Gao Yuan's father and Director Leng had also been friends for many years. When they first met, Leng Guoliang had only just started working as a loan officer.

By all rights, their relationship was fairly good. Yet Leng Guoliang stubbornly refused to go above one million yuan.

X Fiber, with its world-shocking performance, could only be pledged for that little money?

Gao Yuan was indignant, but he quickly figured out the reason. In the past, Leng Guoliang had been close to his father because there had been profit in it.

Now, anyone who made even the slightest inquiry would learn that Kunlun Factory was hovering on the brink of bankruptcy. Its owner had fallen ill, the factory had halted production, and the person taking over was twenty-one-year-old Gao Yuan. Young and untested, he hardly looked like a quality credit client.

As for invention patents, banks had great discretion when evaluating intangible assets. Besides, competition in the market was fierce nowadays. Who could guarantee that once X Fiber entered the market, international giants led by BASF and DuPont would not launch competing products with similar performance?

In short, after hitting wall after wall today, Gao Yuan decided to meet the acquaintance recommended by Director Qin of the National Laboratory. Still, he did not hold out much hope. After all, he had only met Qin Yongbo once. He would treat it as trying his luck.

"If we can't get enough loans from the banks, we'll have to go to venture capital firms," Cao Feiyu muttered.

Gao Yuan frowned. "There's no such thing as a free lunch. Venture capitalists risk losing everything by investing in you, so they'll definitely demand outsized returns. Shares are secondary. What's scary is their veto power. If they don't like something, they can interfere in the company's operations or even force the founders out."

"Unless there's absolutely no other choice, I won't bring in those vultures. Besides, this is the era of the Internet industry. Even if I wanted venture capital, they might not be willing to invest in manufacturing."

As they spoke, the two walked into the bank, only to unexpectedly run into someone they knew.

Jiang Yuanyuan, Gao Yuan and Cao Feiyu's classmate from middle school. Truly just a classmate—the total number of sentences they had exchanged probably did not exceed twenty.

Gao Yuan vaguely remembered that Jiang Yuanyuan seemed to be close with Su Zhenqiu, Fan Xiaoyun, and the others. They had formed a little clique at school, all girls from well-off families with pretty faces.

"So you're here to see Director Lu." Jiang Yuanyuan spoke warmly. "He's the big boss around here. People seeking loans from him could probably line up all the way across the street. Did you two make an appointment?"

Gao Yuan nodded. "We chatted a little on WeChat. He told me to come see him if I needed anything and not to be too polite."

Jiang Yuanyuan mischievously stuck out her tongue at Gao Yuan. "Come on, old classmate. At least prepare a script before you brag. Director Lu oversees all lending here. 'Come see him if you need anything'? 'Don't be too polite'? I don't believe it. Would he really talk to you like that?"

Was she accusing him of lying?

Gao Yuan was a straightforward guy through and through, and he immediately got anxious. He reached for his phone, intending to show Jiang Yuanyuan their chat history.

At that moment, Cao Feiyu lightly nudged him from the side, signaling him not to act impulsively.

They were asking someone for help, after all. Gao Yuan understood that Cao Feiyu meant well, so he suppressed his emotions and said, "I forgot the exact wording, but we did arrange to meet Director Lu this afternoon. That part is definitely true."

"That's more like it. How nice would it have been if you'd just told the truth from the start?" Jiang Yuanyuan looked pleased. "Don't worry, we're classmates. If I can help, I definitely will. To be honest, my dad has some connection with Director Lu. Wait here. This young lady will personally go announce you."

Gao Yuan smiled. "That would be wonderful. If this works out, I'll treat you to hot pot."

"You said it, so don't you dare go back on your word." Jiang Yuanyuan turned around and crooked a finger at Gao Yuan.

After watching Jiang Yuanyuan disappear, Gao Yuan questioned Cao Feiyu. "Why did you stop me just now? I wasn't lying. Everything I said was true."

Cao Feiyu said calmly, "Forget it. Jiang Yuanyuan is actually a pretty decent person, and she's quite helpful. Why make her unhappy over such a small matter?"

"In this world, men are like dogs—their thinking is decision-based. Women are like cats—their thinking is test-based."

"When a man says he'll eat anything, it's a decision. He really will eat anything. But when a woman says she'll eat anything, it's only a test. You have to ask her one dish at a time what she wants to eat, or she'll be unhappy."

"When a man asks, 'Do I look good in this outfit?' it's a decision. Tell him he looks good, and he'll pay immediately and leave. But when a woman asks, 'Do I look good in this outfit?' and you tell her she does, she'll still try on the next one, because it's only a test. It has nothing to do with making a decision."

"So Jiang Yuanyuan was obviously testing you just now. If you followed her line of thought, she'd be happy and spare no effort to help you. If you pulled out evidence to refute her, all you'd do was make her feel hurt. We're not idiots, so why insist on reasoning with women?"

Gao Yuan was shaken to the core. It felt like one enlightening conversation was worth ten years of reading. His mouth fell open as he stared at Cao Feiyu in astonishment.

"You animal, who did you learn all this from? That's way too powerful." Gao Yuan muttered, then added, "Wait, if you understand women so well, why are you still single?"

Cao Feiyu smiled. "MGTOW—Men Going Their Own Way. It's a movement that's currently popular around the world. Here, it's called MGTOW, while in Japan, they call them herbivore men."

"After understanding the enormous essential differences between men and women, they decide to stay as far away from women as possible, both legally and emotionally. They refuse to compromise with women, don't concern themselves with women, and don't care about women. Life becomes much better."

Gao Yuan blinked. "Isn't that still being single?"

Cao Feiyu rolled his eyes at Gao Yuan. "Call it whatever you want. I just happened to join an MGTOW forum that rejects women and learned some interesting things. They happened to come in handy today."

Gao Yuan paused slightly, then rubbed his chin with one hand and muttered, "Stay away from women, and life will get better..."

"Hmm, interesting. Send me the website later."

Cao Feiyu had not been wrong. As long as you went along with her little temper, Jiang Yuanyuan was actually a very warmhearted and kind girl.

Not long afterward, she returned and personally led Gao Yuan and Cao Feiyu to Lu Yong's office.

"Uncle Lu." Jiang Yuanyuan's voice was sweet as she said, "They're both good friends from my middle school days. If it doesn't violate bank regulations, please help them as much as you can. It's so difficult for young people our age to start their own businesses."

Her tone was somewhat coquettish. Speaking like that in a professional setting was clearly inappropriate, yet Lu Yong showed no displeasure. Instead, he laughed heartily and nodded repeatedly. It seemed Jiang Yuanyuan's family truly had an unusual relationship with Director Lu.

"Don't worry. I've always supported young people starting businesses through their own abilities." Director Lu patted his chest and spoke righteously.

"Then I'll head out first. You can take your time talking."

As Jiang Yuanyuan spoke, she winked at Gao Yuan and Cao Feiyu, as though signaling, I've done everything I can for you. The rest is up to you.

Lu Yong narrowed his eyes slightly and carefully examined the two young men before him. Though he looked calm on the surface, turmoil had long been raging in his heart.

Just three days ago, he had suddenly received a personal call from the head of the provincial branch, instructing him to pay attention to a loan project in the chemical fiber field and help the company resolve its funding difficulties.

Though it had not been stated directly, the provincial branch head had vaguely revealed that someone at a higher center of power thought highly of this new invention. However, it was inconvenient to intervene directly with state power, so the bank had been asked to provide financial support and lending convenience.

Lu Yong had been worrying about how to support this company. He could not just hand over money the moment they met. That would make no sense.

Just then, Jiang Yuanyuan happened to insert herself into the matter. Lu Yong was immediately delighted. The higher-ups wanted to support Gao Yuan discreetly, and Gao Yuan was Jiang Yuanyuan's classmate. That made things much easier.

But after meeting him, Lu Yong was astonished to discover that Gao Yuan was so young. It truly came as quite a shock to Director Lu.

"He's so young, yet he's already been singled out for support by the higher-ups. What kind of heaven-defying invention is this? Even Director Qin of the National Laboratory has praised it endlessly." Lu Yong was suspicious. Pay attention. I must pay close attention.

After the pleasantries, Lu Yong asked about the collateral.

Gao Yuan immediately took out the patent certificate, technical materials, Kunlun Factory's business license, qualification certificates, the testing report issued by the National Laboratory, and a whole pile of other documents.

"Interesting. I'll have someone prepare some tea. We have time, so you'll have to explain it to me carefully," Lu Yong said.

Gao Yuan and Cao Feiyu were both surprised. The two banks they had visited that morning had shown impatience after listening for only a short while. Topics such as materials science and chemistry were obscure and tedious, yet Director Lu was willing to listen without complaint. Gao Yuan felt genuinely flattered.

The process was naturally difficult. Lu Yong was already in his forties, and he had long returned everything he learned in university to his teachers. He put in great effort before finally understanding what sort of thing X Fiber actually was.

Yet once Lu Yong understood just how heaven-defying Gao Yuan's invention was, stormy waves immediately surged in his heart.

So powerful!

Incredible!

X Fiber was actually this terrifying!

Lu Yong was greatly shocked, and the way he looked at Gao Yuan was filled with fervor.

Gao Yuan was only twenty-one, yet he had already created an invention of such an absurd level that it had drawn the attention of the power center and been specifically named for support.

It was simply impossible to imagine what kind of achievements and career such a young man would accomplish in the future!

Tap tap tap~

Lu Yong stood and quickly paced several times around the office, his expression exceptionally grave as he thought.

"Fifty million." Lu Yong was not joking in the slightest as he solemnly said, "With the patent rights as collateral, for a term of two years, at the national benchmark commercial lending rate, I'll lend you fifty million."

Hiss~

Gao Yuan sucked in a breath. He had not expected things to go so smoothly. His greatest expectation had been a bank loan of five to ten million yuan, but this had completely exceeded his expectations.

The loan term was a little short, though. If he could not repay the principal and interest after two years, the patent rights to X Fiber would belong to the bank. A three- or five-year term would have been even more perfect.

But it did not matter. If he could not repay the loan within two years while holding the super black technology the system had given him, that would only prove that Gao Yuan himself was incompetent. He might as well buy a block of tofu and smash his head into it.

"Then thank you, Director Lu." With that thought, Gao Yuan stood and solemnly extended his right hand.

There would be no recommendations next week, so it would continue running naked.

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