I build a giant in the Premier League

Chapter 3 The bigger the storm, the more expensive the fish.
In the City of London, every inch of land is valuable.

In an area of ​​only 2.6 square kilometers, there are a large number of banks, stock exchanges and other financial institutions.

Nearly one million people are employed.

The world-famous Tower Bridge of London is located here.

After decades of development, the business of the Financial City has long since spilled over and spread to the surrounding areas of the Financial City.

Elvino Asset Management Ltd is located to the west of the City of London, northwest of King's College and the London School of Economics.

Accompanied by Lin Zhongqiu, Yang Cheng followed the address provided by Chris Hunter and walked into a retro British-style street with street-facing apartments on both sides.

Some run restaurants, while others own world-famous hotel chains.

Yang Cheng saw from afar a British young man in a suit and tie, about 30 years old, waving at him at an entrance.

His name is Chris Hunter.

"Hello, Chris."

"Nice to meet you, Mr. Yang, you are so young."

After Yang Cheng introduced Lin Zhongqiu to Chris Hunter, the three of them went up to the second floor from the entrance.

Elvino is not a well-known company and is inconspicuous in the City of London.

But this is exactly what Yang Cheng wanted.

Too famous companies, such as Blackstone and Rothschild Investment Bank, are so large and powerful that they simply look down on the Bayswater Chinese, let alone the possibility of cooperation.

As far as Yang Cheng could remember, there was a senior from his university who worked at the Goldman Sachs headquarters, but he had no intention of using this relationship at this time.

If you want to sell it, it's a good idea to find them.

But now, what Yang Cheng wants is to find money to help the club tide over the difficulties.

The three of them sat down in a not very spacious but very bright meeting room on the second floor facing the street, and someone immediately brought them hot coffee.

"Mr. Yang, you said on the phone yesterday that you were planning to sell this piece of land?"

Chris Hunter got straight to the point.

It’s almost the same for everyone working in finance. Time is precious, so don’t be too long-winded.

Yang Cheng began observing Chris Hunter the moment they met and had a general idea of ​​what he was like.

Lin Zhongqiu looked over with a puzzled look on his face.

He still doesn't know what Yang Cheng is planning.

Yang Cheng picked up the coffee slowly, took a sip, found it a little hot, and put it down again.

"There's been some change of plans, Chris."

"Change?" Chris Hunter was a little surprised.

"I spoke to my father last night and, as you know, he has a lot of affection for this club and feels that it can still be saved."

Chris Hunter frowned, "So..."

"I think we can try a different way of cooperation."

British youth are even stranger.

"To be honest, we are facing cash flow problems. A lot of funds cannot be transferred from China, which has caused the club to be in a difficult situation."

It's no secret.

Chris Hunter came to the door because he knew this situation.

"I now hope that you can consider lending us some money to help us through this difficult time."

Chris Hunter's eyes flashed with a hint of embarrassment and helplessness, as if he had guessed it a moment ago.

Lin Zhongqiu felt a glimmer of hope.

But the next moment, he was disappointed again.

"I'm sorry, Mr. Yang, I'm in charge of bankruptcy matters, and my colleagues will be responsible for the credit matters."

Chris Hunter declined politely.

Then he added, "Mr. Yang, please forgive me for being blunt, given your current situation, I'm afraid it would be difficult for any bank or institution to lend you money. The risk is too great."

Yang Cheng turned his head and glanced at Lin Zhongqiu, and saw the hope in his eyes was shattered.

"You're right, Chris, but there's a saying you've surely heard before."

Yang Cheng looked into Chris Hunter's eyes and said word by word: "The bigger the wind and waves, the more expensive the fish."

At this moment, Chris Hunter finally understood everything.

When Yang Cheng came to the door, he had no intention of selling the land at all, but came to borrow money.

"Mr. Yang, you know, even for a company like ours, we need to consider the risks when borrowing money."

"I understand. So, my plan can minimize your risks."

When Chris Hunter saw Yang Cheng's confident look and his eloquent speech, he immediately became interested.

He could see that Yang Cheng was very young and had wild and romantic imaginations, but it didn't hurt to listen.

Once we are brought back to reality step by step, maybe we can talk about selling the land.

"I want to borrow 500 million pounds from you for 4 years. After 4 years, I will repay 1000 million pounds in one lump sum."

"If I am unable to repay the money after four years, all the assets of the Bayswater Chinese, including this piece of land, will be handed over to you."

"And within these four years, if I sell the club or the land ahead of schedule, you can get another 4% share."

Yang Cheng was well prepared and spoke out all his thoughts in one breath.

This time, not only Chris Hunter, but even Lin Zhongqiu was shocked.

500 million pounds, 4 years, and 1000 million pounds in return.

The interest rate is too high!
It's simply usury!

Lin Zhongqiu immediately became anxious, but Yang Cheng reached out his hand again to comfort him.

It's a big gamble.

There was a very famous case of a similar bet in 2024.

That is the domestic billionaire Zhang Suning.

While running the Italian Serie A giants Inter Milan, Zhang Suning approached the American institution Oaktree Capital to borrow money using this method, but the interest rate was relatively lower.

But there is no way. Yang Cheng feels that if he doesn't offer high interest now, it will not be attractive enough.

This is why he looked for Elvino.

If you go to a big company like Blackstone, they won’t even look down on this little pocket money.

But for Elvino, this is definitely a huge sum of money.

In Yang Cheng's previous life, Zhang Suning eventually messed up and lost Inter Milan to Oak Capital.

But Yang Cheng is very confident in himself.

Chris Hunter, who was sitting opposite him, was also very shrewd and was calculating a lot in his head.

In 4 years, 500 million pounds became 1000 million pounds, with 20% interest. It was worth the gamble anyway.

Even if Yang Cheng really can't pay back the money four years later, doesn't he still have the Chinese and the land in Bayswater?

Clubs in the third-tier English League Two can still be sold for some money.

There are also players, facilities and so on.

The most important thing is the land.

If I can contact the right buyer within these four years and sell it at a high price, I can get a 4% commission, plus the interest during this period...

Chris Hunter's mind worked quickly and he immediately realized that this deal was worth doing!
"How about it? How about I give you some time to study it?" Yang Cheng suggested with a smile.

Chris Hunter was embarrassed.

He found that it was really difficult for him to refuse Yang Cheng.

But Yang Cheng is so young, how could he...

……

Yang Cheng and the restless Lin Zhongqiu drank coffee in the conference room for nearly an hour.

Chris Hunter quickly came back with a message.

Their company is very interested in this cooperation.

But some details need to be changed.

For example, Yang Cheng asked for 500 million pounds, but based on their financial audit of the Bayswater Chinese and analysis of the debt situation, they were ultimately only willing to give 200 million pounds.

The reason is that they also need to control risks.

The four years proposed by Yang Cheng was also reduced to two years.

Two years later, the Chinese in Bayswater returned £2 million.

The other terms are similar to those listed by Yang Cheng.

But this is just the intention of both parties.

Next, both parties will bring financial personnel and lawyers to conduct formal negotiations and then sign a formal contract.

However, when Yang Cheng and others were about to leave, Chris Hunter specially introduced the owner of Elvino Company, showing a strong intention to cooperate.

As soon as Elvino took a step forward, Lin Zhongqiu grabbed Yang Cheng.

The interest rate is too high!
Just now in there, he held back on saying a lot of things.

Now, all of them were taken out at once.

"The most important thing is, Acheng, what are you going to use to pay back the 2 million pounds in two years?" Lin Zhongqiu said very distressedly.

"Uncle Lin, just wait and see!"

Yang Cheng smiled slightly and looked particularly confident.

Yet it also carries a certain puzzling mystery.

Lin Zhongqiu was stunned.

He really couldn't think of a good solution.

When they acquired the club before, they were fooled by Cash Harris and underestimated the difficulty of running the club.

In the past two years, the team has invested a lot in the English League Two, but the ranking has never improved.

Not to mention the Premier League, there is not even a shadow of English Football League One.

The competition is too fierce.

Being in English Football League Two and being taken over by foreign capital, it has a small core fan base and its match-day revenue is pitifully low.

Especially now, there are no players and no coaches, and whether we can play the game is a big problem.

Anyway, Lin Zhongqiu had no choice.

"Ah Cheng, if it was three years ago, I would have confidence in you, but now..."

After a pause, Lin Zhongqiu shook his head and smiled bitterly, "Our best players and our coaches are all gone."

“Are we really unable to continue now?”

Yang Cheng felt the helplessness, unwillingness, grief and disappointment in Lin Zhongqiu's words.

In the past few years, he must have been ruthlessly beaten repeatedly by reality.

"It's okay, Uncle Lin, it's all over."

Yang Cheng reached out and patted Lin Zhongqiu on the shoulder, comforting the injured middle-aged man in return.

"From now on, I'm in charge of everything!"

Lin Zhongqiu looked at Yang Cheng in surprise.

"Believe me, Uncle Lin, I will be able to solve the problem within two years."

"By then, not to mention the £300 million debt, all problems will be solved."

"I will create an unprecedented surprise for you!"

Lin Zhongqiu was completely stunned.

He never thought that Yang Cheng would say such bold words to him.

He really didn't know whether he should praise Yang Cheng for his ambition or say that he was blindly confident.

But at this moment, he clearly saw the shadow of Yang Jianguo during his entrepreneurial period in Yang Cheng.

Dare to think, dare to fight!
"Old Lin, this is a world that belongs to adventurers!"

Lin Zhongqiu recalled what Yang Jianguo had said to him back then.

Yang Cheng at this moment is just like Yang Jianguo at that moment.

Full of energy and passion.

At the same time, I am full of confidence.

But Yang Cheng was thinking something else.

In his previous life, Yang Cheng coached hard for 30 years, but was played around by many top teams and didn't even win a championship.

Now, he has another chance.

He will take this opportunity to let all the top teams get to know him again!

"Uncle Lin, just wait and see. Sooner or later, I will make the entire European football world, no, the world football world, tremble at the feet of me and the Chinese people in Bayswater!"

From Lin Zhongqiu's perspective, the sun was rising behind Yang Cheng.

The light made Yang Cheng's whole body glow.

　Before I wrote the paragraph about borrowing money, I specially consulted a close friend who graduated from a prestigious domestic university and works in the financial industry. He gave me some professional advice, and I slightly processed it myself. I didn’t show it to him after I finished writing it. If there are any mistakes, please point them out. Thank you!

　　During the new book period, there will be two updates every day, at 8:18 and :.

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(End of this chapter)