Someone sent a WeChat message. Xiang Wan opened her phone screen while talking to Tang Haichao.
The factory manager asked where she was, wanting to discuss the advance payment.
Xiang Wan asked what was wrong and said she would go back after eating.
The other party said, "Many identical clothes have appeared online, and the competition for raw materials is fierce."
"To guarantee delivery, I want to grab all the raw materials at once."
"Otherwise, if it's just once in a while, what's just come out might be snatched by others."
"But if I grab it all at once, the funds are insufficient. Come quickly to discuss it with me."
Just as she was halfway through her noodles, seeing the urgency, Xiang Wan told Tang Haichao the truth.
"I have something to do and need to go back for a meeting. I'm sorry, I can't talk anymore, I have to go."
When she first arrived, Tang Haichao was driving the small truck.
The sun was quite strong, and driving a few minutes was much faster than walking a long distance, so he quickly stopped her.
"I'll give you a ride. Walking is too slow."
Xiang Wan was pregnant, and walking that far would indeed be tiring.
"Then eat a couple more bites, I'll wait for you."
He haphazardly shoveled a couple more bites into his mouth and took a sip of soup.
"Let's go, let's go, that's enough, it's fine."
Getting into the car, he asked Xiang Wan if something had happened.
Xiang Wan then told him about purchasing raw materials.
"Procuring so much at once is a lot of money. What if someone cancels their order midway or something unexpected happens..."
Xiang Wan said.
"Cancellations are occasional events. Calculated by percentage, we can afford it. This problem isn't big."
"Unexpectedly, you mean fires or something. I'll be more careful."
"After the raw materials are purchased, pay extra attention to this aspect."
Tang Haichao: "That's good. Such a large sum of money cannot have any accidents. Otherwise, it will be troublesome."
After bidding farewell, Xiang Wan entered the manager's office.
The manager explained the situation and pushed the procurement order for her to see.
"I've already had someone calculate it. If you agree to buy it all at once, you'll need to transfer this much money."
2.23 million.
The order of over 140,000 items, if completed, would cost over 7 million. More than 2 million had already been completed, leaving over 5 million.
She only needed to pay half in advance, so over 2 million would suffice.
Xiang Wan understood the logic and the idea, and was certain this investment was worthwhile, but she really didn't have any extra funds to spare.
The manager sighed.
"In business, who doesn't get loans from the bank? The bigger you do business, the more debt you owe the bank."
"Look at so-and-so, a big shot in real estate, owing hundreds of billions in debt to the bank."
"Miss Xiang, since you want to do big things, you can't be hesitant."
"The situation has come to this point. If you're not afraid of competitors snatching your business or delaying delivery, then I have no objections."
"We can proceed slowly. Anyway, you won't owe me a single cent, but you yourself will lose a lot."
Xiang Wan knew what he was saying.
She also knew that getting a loan from the bank made sense.
In the startup circle, who uses their own money to lay eggs? They all borrow chickens to lay eggs.
It's just that she was timid and couldn't make up her mind.
It seemed that this time, she had no choice but to make a decision.
"Let me think about it again. You can continue negotiating on your end, but don't finalize anything. I'll give you an answer by tomorrow morning at the latest."
Xiang Wan took her phone and left the office, thinking of calling Lu Mingzhe to estimate how much she could borrow from the bank using her house and car.
But then she thought, talking to him about this was no different than asking him for money indirectly.
He had already taken the blame for the fire incident, and now she was asking him for money again.
If her career grows bigger in the future and requires more investment, she can't always ask him for it, right?
She thought of Tang Haichao.
Fortunately, Tang Haichao was just a supervisor and didn't need to be hands-on, so his time was more flexible.
Soon, he met Xiang Wan again.
He shared his experiences of getting bank loans with her.
Seeing how familiar he was with the process, and thinking about the continuously rising data from the live stream, Xiang Wan gritted her teeth and made up her mind.
"Accompany me to the bank. I've decided to get a loan. We must have a brilliant battle this Double 11."
Tang Haichao, however, stopped her.
"Everyone's situation is different, and men and women are different. My personal experience is not worth referring to."
"Miss Xiang, I'm not trying to persuade you to do this. Please think it through."
Xiang Wan nodded.
"This is what I want to do. With my small-time vendor mentality, I can never make my business big. I need to learn from you all."
"Let's go, thank you for your trouble."
The two of them worked at the bank all afternoon and applied for a loan of over 4 million yuan.
Although it normally took several days for approval, Tang Haichao was familiar with the people there, and the first batch of funds arrived within eight hours.
She would be able to grab all the raw materials tomorrow, and Xiang Wan finally breathed a sigh of relief.
"Mr. Tang, since I don't know how to thank you, let's be lifelong friends. If you ever need anything in the future, just ask me, and I'll help if I can."
Tang Haichao smiled, "Okay, I'll keep all this in mind."
At quitting time, Lu Mingzhe came to pick up Xiang Wan.
Xiang Wan asked him about the renovation. Lu Mingzhe didn't hide anything from her.
The preliminary estimate was three to four million yuan, and that was still an internal price given by Zhan Bei Jue.
Fortunately, he had saved some money over the years. However, after this, their wedding would have to be more restrained.
"Please don't be angry."
What right did she have to be angry?
Xiang Wan hugged his arm.
"How about we don't have a wedding? After the baby is born and grows up, we can have one then."
"Let him be our ring bearer. Many people do that now."
"But don't you feel wronged? Can Grandma accept it?"
Xiang Wan said, "Not at all, and my grandma definitely won't think so."
"Their generation endured more hardship than us and got through it. My grandma isn't that materialistic. She values how you treat me."
Lu Mingzhe smiled.
"You should have said so earlier, and I wouldn't have had this burden on my mind. We would have gotten our marriage certificate long ago!"
"It's too late today, how about tomorrow? We'll get our marriage certificate first thing tomorrow morning!"
Xiang Wan felt like crying.
"Burden on my mind? If you have any thoughts in the future, tell me directly. Am I someone who cares about those things? Don't keep it to yourself."
Lu Mingzhe said okay.
"Then I'll take you home. I won't be having dinner with you tonight."
"A few days ago, my mom took the household registration book to get her passport. I need to get it back from her and also talk to her about our matter."
"I haven't properly told them about my divorce from Chen Jiaojiao yet. My father is a stubborn man, so I'll probably get a lecture."
"But with our baby protecting us, he won't do anything to me for its sake."
"Once I've sorted things out over there, I'll bring you back immediately. Okay?"
He gently touched Xiang Wan's belly twice.
Looking at his sincere smile, Xiang Wan hugged his arm even tighter.
"Okay. I'll wait for you."