Pretty and charming, dressed in the 90s, she's good at everything from making money to causing

The snow stopped sometime ago, and the sun peeked out.

The world is shrouded in white, while filth hides beneath the golden glow.

Lin Ting didn't take helping He Ping too seriously.

For Mr. Lin now, helping someone is simply a matter of whether she wants to or is willing to do so, and it won't bring her any financial burden.

Of course, she also has enough ability to protect herself. She is not afraid of being taken advantage of or encountering a snake that bites.

She treated it as just a small incident of doing a good deed, and then said, "Let's go find Uncle Bai, I'll go get a loan."

She had arranged a meeting time with Mr. Bai when she was in the capital, and now that she was there, the timing was perfect.

"Boss, should we call Bai Yu over?" Zhang Liang asked.

Lin Ting squinted and turned her head away from looking out the window.

"Need not."

Her voice was soft.

Taking Bai Yu to do this task is also a form of moral blackmail.

Zhang Liang didn't ask any more questions. He drove silently, a slight smile playing on his lips, looking particularly at ease.

Before long, the car stopped in front of Mr. Bai's workplace.

Lin Ting didn't bring Zhang Liang and Xu Tao with her; she went to register by herself and stepped into Mr. Bai's workplace.

Mr. Bai had just finished a meeting. When Lin heard this, he was eating his lunchbox while looking at documents.

"Ting'er is here." Mr. Bai wiped his mouth, put down his half-eaten lunchbox, and pointed to the chair opposite him. "Please sit down, it's cold outside, isn't it?"

A cup of hot tea sits on the table; it looks freshly brewed.

Lin Ting greeted him with a smile and sat down, saying with a grin, "Uncle Bai, please continue eating, it's alright."

Mr. Bai laughed heartily and picked up his lunchbox again: "Alright, I won't stand on ceremony with you. I have a meeting later, so I need to eat quickly."

"You're working too hard."

Lin Ting only took off her gloves, but didn't untie her scarf. She took a sip of tea before continuing, "Then shall I make this brief?"

"Okay, go ahead and say what you want." Mr. Bai looked at Lin Ting with a smile, exuding the air of a superior who could handle anything she said.

Lin Ting got straight to the point: "I want to apply for a loan."

Mr. Bai paused for a moment, then smiled: "You want to get a loan? That's easy! Just go to a bank, right?"

Lin Ting: "One hundred million."

"Cough cough!"

Except for Mr. Bai, who is usually calm and composed when facing his rebellious son, who was suddenly choked and coughed for a while with a handkerchief over his mouth before asking uncertainly in a hoarse voice, "How much did you say?"

Lin Ting silently pushed his chipped enamel mug to his side, repeating with unusual firmness, "One hundred million."

Mr. Bai, forgetting all about eating, looked at Lin Ting with a puzzled expression: "What are you trying to do?"

Lin Ting continued to speak the truth: "I'm going to start construction on the land in Beijing, but I'm short of funds."

Mr. Bai lost his appetite.

He knew that Lin Ting must have something important to discuss with him.

But he never expected it to be such a big deal.

He asked for 100 million right off the bat.

Why doesn't she just fly to the heavens?

Mr. Bai drank most of a vat of tea before he could finally calm down.

“If you’re investing in Beijing, you should take out a loan in Beijing,” Mr. Bai said, frowning slightly. “Building a building improves Beijing’s infrastructure, so they have corresponding support loan policies, right?”

Lin Ting placed his hands on the table, leaned forward slightly, and said in a serious tone, "Uncle Bai, I'm here to see you because I'm setting up a branch office in Beijing. Although the building is in Beijing, most of the taxes will still be paid at the headquarters location."

"Interest and taxes—the market in Beijing is several times larger than in Shenyang. Uncle Bai, you won't lose money investing in me."

The biggest difference between a branch office and a subsidiary is that the former does not have an independent legal entity, and its taxes are managed centrally by the head office. Although a certain percentage of taxes must be paid in the location of the branch office, the majority of the taxes must be paid in the location of the head office.

Lin Ting only wanted to place the company's main office in Beijing, the center of China, where there would be more opportunities and resources, but she had no intention of changing the registered address of the head office.

One reason is because it's troublesome.

Secondly, it's unnecessary.

In a way, she has made some contributions to the development of her hometown.

Mr. Bai remained silent and took two more sips of tea.

Lin Ting leaned back in her chair and looked at Mr. Bai with a smile: "Uncle Bai, you know what kind of person I am. My home is in Shenyang, and I can't possibly run away. I'll use the land in Beijing as collateral, and I'll accept whatever interest rate is due. It's a five-year loan—at most five years—and I will definitely pay it off."

Mr. Bai put down his teacup, his gaze suddenly becoming solemn and serious.

He stared into Lin Ting's eyes and said, "Of course I believe in your character, but Ting'er, we're family, so let's not be formal. Using just a piece of land as collateral isn't enough. The bank will also assess the risks."

Lin Ting pondered for a moment and said, "How about adding a garment factory?"

Mr. Bai said directly, "The land for the garment factory isn't worth much. You also own a mine in Shanxi Province, right?"

Lin shook his head without thinking for long: "I only have a share in that coal mine. I can't use the share as collateral. If I do that, I'll have to ask the bank for approval before making any decisions. Of course, they will choose the least risky and most conservative approach, which is very disadvantageous for me and my partner."

When doing business or investing, you must ensure that you have an industry that can generate stable income even if the sky falls.

That's our last resort, we can't afford to lose it, and we certainly can't let it leech off our lives.

The garment factory was Lin Ting's life's work, the child she raised herself. But compared to the still young and immature garment factory, the coal mine was the stabilizing force that steadily brought in huge income.

Mr. Bai nodded understandingly, then shook his head: "From this perspective, let alone 100 million, even 20 million from the bank would be considered generous."

Lin Tingxiao: "Uncle Bai, if the Beijing market were to open up to commercial housing, how many times do you think that piece of land would increase in value?"

"This……"

“Isn’t it a conservative estimate that it will increase twentyfold?” Lin Ting continued. “Housing prices in Hai Province can soar dozens of times. My land is in Beijing—the bubble in Hai Province can’t possibly appear in Beijing.”

Mr. Bai's position meant he knew more than others, so he didn't question Lin Ting's "hypothesis".

"I understand what you mean, but that's for the future, not now."

Mr. Bai frowned slightly, looked at Lin Ting and pondered for a while, and finally said: "I will talk to my colleagues in the economic department and give you a loan of 60 million. You can figure out the rest yourself."

"it is good!"

Lin Ting stood up and solemnly thanked Mr. Bai: "Thank you, Uncle Bai!"

Mr. Bai didn't say anything platitudes, only one instruction: "You'd better do a good job for me, and don't you dare embarrass me."

"I promise not!"

Mr. Bai's serious expression softened when he saw Lin Ting's bright smile. He waved his hand, as if shooing away his own child, and said, "Alright, go do what you need to do, don't delay my meal."

"Alright, goodbye Uncle Bai."

Lin Ting put on her gloves and left, satisfied.

Shortly after she left, Mr. Bai's secretary came in.

While eating, Mr. Bai said, "When we have the meeting later, tell Lao Li to wait for me. Xiao Lin wants to take out a loan of 60 million, and I need to talk to him about it."

The secretary was taken aback: "Sixty million?"

Although having 10,000 yuan is no longer as rare as it was a few years ago, 60 million...

He had only seen such loan amounts in a few heavy industrial factories.

Mr. Bai hummed in response, his expression utterly calm, as if he didn't consider the matter a big deal at all.

The secretary hesitated for a moment, then couldn't help but ask, "Boss, are we really going to lend the money to her? Her company is a private enterprise."

“It’s for her,” Mr. Bai said, “because it’s for her, so we should take out a loan.”

"Because she is Lin Ting?"

"of course not."

Mr. Bai put down his empty lunchbox, wiped his mouth clean, and said, "Because she's still young... too young. Lin Ting, she's more valuable than a hundred pieces of land."