After being reborn, the school beauty's entire family knelt down to repent.

Wang Baiwan added, "That's right, Mr. Chen. If we join forces, it will be a powerful alliance with complementary strengths. At that time, won't we be the ones calling the shots in the electric blanket market in S City?"

He gestured a large circle with his hand, as if the entire city of S was under his control.

Chen Ming took a sip of tea, then gently placed the teacup back on the table with a crisp sound.

These old foxes, under the guise of investment,

In reality, they wanted to take advantage of the situation to acquire his factory at a low price and then control the electric blanket market.

However, he was reborn not to be someone else's stepping stone.

"I appreciate the kindness of the bosses," Chen Ming said, pausing briefly before speaking with a sincere yet resolute tone.

"However, my factory currently has sufficient funds and does not need financing for the time being."

Wang Baiwan and the others' expressions changed, and their smiles instantly froze.

They thought that the huge sum of five million would be enough to sway Chen Ming and make him obediently hand over the factory.

Unexpectedly, Chen Ming refused!

"Mr. Chen, won't you reconsider?" Wang Baiwan persisted, adding another question.

"That's five million!"

Another wealthy man chimed in, "Yes, Mr. Chen, five million is no small sum. If you miss this opportunity, you won't get another one!"

"Opportunity always favors the prepared mind." Chen Ming smiled slightly, his tone calm.

"Although my factory is not large, it is developing well, and I am confident that I can make the business bigger with my own efforts."

"Mr. Chen, you can't say that," Wang Baiwan quickly interjected.

"With such fierce market competition, going it alone will ultimately leave you weak and vulnerable. Only by joining forces and sharing resources can we remain invincible in the market."

Chen Ming shook his head, still sticking to his own idea: "Thank you for your concern, bosses, but I believe my factory is capable of meeting market challenges."

"Mr. Chen, you should think this over carefully! Five million is no small sum!" Wang Baiwan emphasized, trying to persuade Chen Ming again.

“My mind is made up.” Chen Ming’s tone was firm and left no room for doubt. “However, if you bosses really want to cooperate, we can find another way.”

"The way to cooperate is very simple." Chen Ming paused, his eyes sweeping over the several wealthy people present, a meaningful smile appearing on his lips.

"It's less of a collaboration and more of a transaction." He paused, observing the reactions of the wealthy individuals.

Seeing that they were all holding their breath, waiting for him to continue, he slowly said, "You can lend me money."

Wang Baiwan and the others looked at each other, stunned for a moment.

Borrow money? This is completely different from what they expected!

They originally intended to acquire Chen Ming's factory at a low price under the guise of investment, but unexpectedly, Chen Ming turned the tables and asked them to lend him money!

Wang Baiwan's expression turned somewhat unpleasant. He coughed lightly and asked, "Boss Chen, what do you mean by this?"

"The literal meaning." Chen Ming shrugged, looking completely matter-of-fact.

"I only need the funds, not the partners. You are all prominent figures in S City with substantial funds, so I'm sure you wouldn't care about such a small amount of money, right?"

He deliberately emphasized the words "small money," with a hint of provocation.

"Mr. Chen, are you joking?" another wealthy man couldn't help but ask.

With a hint of doubt in his voice, he said, "We came all this way here, not to lend you money!"

"I'm not joking," Chen Ming said calmly and firmly.

"I need funds to expand production, and you all happen to have idle funds. Isn't this a perfect match? You lend me money, and I pay the interest. Isn't this a win-win situation?"

“You…” Wang Baiwan’s face turned ashen with anger, but he couldn’t find a reason to refute it.

"Mr. Chen, what you're doing is going too far!"

Another wealthy man said indignantly, "We came here with good intentions to invest, but you treat us like loan sharks!"

"Investment? I'm afraid your real intentions are elsewhere?" Chen Ming sneered.

"I've seen through your schemes long ago. You want to take advantage of this opportunity to buy my factory at a low price and then control the electric blanket market in S City, right?"

"You...you're talking nonsense!" Wang Baiwan's face flushed red as he vehemently denied it.

"Whether I'm lying or not, you all know the answer in your hearts." Chen Ming met their gazes without flinching.

"Since I dare to say this, I must be quite confident."

"Mr. Chen, you..."

"Alright," Chen Ming interrupted him.

"I don't want to listen to any more of your nonsense. If you really want to cooperate, then do it my way. If you don't want to cooperate, you can leave now."

Chen Ming's firm tone left Wang Baiwan and the others speechless for a moment, unsure how to respond.

"How is the interest calculated?" Mr. Li, who had been silent until now, adjusted his gold-rimmed glasses.

A glint of light flashed in his eyes, and he leaned forward slightly, seemingly interested in Chen Ming's suggestion.

Chen Ming turned his gaze to President Li, a slight smile playing on his lips: "Four percent annual interest rate." His tone was calm.

It was as if he were talking about something trivial, yet it made all the wealthy people present gasp in astonishment.

"Four percent?" Wang Baiwan jumped up from his chair, his voice shrill with surprise.

The chair screeched against the floor, shattering the silence. "That's way too low! What are the current bank loan interest rates? What are you doing...?"

Chen Ming calmly picked up his teacup, took a small sip, and then slowly put it down before looking up at Wang Baiwan: "Mr. Wang, please don't get excited. Sit down and let's talk slowly."

Wang Baiwan slumped back into his chair, his face ashen, his chest heaving violently, clearly still reeling from the shock.

Chen Ming looked around, his gaze sweeping over each of the wealthy individuals present, and slowly said, "My factory has a promising future, and a four percent interest rate isn't low. Besides, lending me money carries very little risk; it's a sure-fire way to make a profit, a more worthwhile deal than investing."

“But…” Wang Baiwan wanted to say something, but Chen Ming raised his hand to interrupt him.

“I know what you’re all thinking,” Chen Ming said firmly.

“You think I’m using your money to grow my own business. But I want to say that this is a win-win situation. You can get stable interest income, and I can get the funds I need for development. Why not?” His gaze was sharp.

"You are all businessmen," Chen Ming paused, then continued.

"You should understand that risk and return go hand in hand. Investing is risky, while lending is relatively safe. Although the interest rate of four percent is not high, it is stable. Moreover, my factory has a bright future, so you don't need to worry about me not being able to repay the money."