From Inheriting a Small Factory to Becoming a Global Financial Tycoon

Chapter 40 A Debt of One Hundred Million, Tremendous Pressure

"Virtuous Nephew, what a rare guest. You're back so soon—what brings you here this time?" Ho Sin Hang asked warmly, speaking with the tone of an elder.

Lin Haoran sat calmly in the chair and replied with a smile, "Uncle Ho, I'm here for the same reason as last time—I'm seeking another loan."

Hearing this, Ho Sin Hang raised an eyebrow, half-joking and half-serious.

"Oh? Don't tell me you plan to use stocks as collateral again?"

Lin Haoran laughed heartily. "Uncle Ho, you truly have the foresight of a sage! That's exactly right. I plan to use stocks as collateral again."

With that, he directly pulled out a stock certificate from his briefcase, presenting 2.5 million shares of Green Island Cement to Ho Sin Hang.

"Uncle Ho, I would like to use these shares as collateral to borrow another fifteen million Hong Kong dollars from Hang Seng Bank. What do you think?" Lin Haoran continued.

Although the current market value of the 2.5 million shares didn't fully cover fifteen million Hong Kong dollars, it wasn't far off.

Given Lin Haoran's background, he was confident the loan would be approved.

Ho Sin Hang accepted the stock certificates, scanning the documents with a slight frown.

Setting them down, he said earnestly, "Virtuous Nephew, given my long friendship with your father, I'm willing to consider this loan.

But as an elder, I must caution you: the stock market is unpredictable, and risks lurk everywhere. Investment decisions must be made with extreme care.

I suspect you've used your previous loan to continue purchasing Green Island Cement shares, resulting in this current batch.

This kind of chain investing is very risky.

Although Green Island Cement has potential, it's not heavily watched by the market.

Expecting a sharp short-term rise is unrealistic.

When the loan repayment comes due, you may be forced to sell these shares under pressure, causing a sharp price drop or even a collapse."

Ho Sin Hang, being an old friend of Lin Wanan's, couldn't sit idly by and watch Lin Haoran plunge headlong into disaster.

He had many things he wanted to say but remembered his promise not to inform Lin Wanan about the loans.

Thus, he could only suppress his urge to intervene directly.

"Thank you for your concern, Uncle Ho, but I have my plans.

Regardless, Hang Seng Bank will not lose money, will it?" Lin Haoran said lightly, smiling.

Ho Sin Hang sighed, his expression complex.

"Virtuous Nephew, I understand you have your ideas and ambitions.

But remember—every step must be cautious.

I'm not questioning your ability, merely hoping you fully assess the risks and ensure everything remains within your control."

"Uncle Ho, please rest assured.

This fifteen-million-dollar loan won't lead me into a cycle of endless borrowing.

I understand the importance of reputation and responsibility, and I also understand your concerns.

If Hang Seng Bank were to decline, I could still find financing elsewhere.

However, considering our families' long relationship and Hang Seng Bank's professionalism and stability, I would much rather work with you," Lin Haoran explained sincerely.

Hearing this, Ho Sin Hang relaxed a little and nodded slightly.

He sighed and said, "Virtuous Nephew, since you have made up your mind, I won't stop you.

I have said what I needed to say.

Profits and losses are part of life—you must learn from every experience.

I will approve this loan for you.

I hope you will use it wisely and achieve your goals."

"Thank you, Uncle Ho, for your trust and support.

Like last time, I ask you to keep this matter confidential—please don't inform my father," Lin Haoran requested earnestly.

"Don't worry," Ho Sin Hang nodded, "I gave you my word before, and I will honor it.

I won't breathe a word to your father.

But remember—every decision must be considered carefully.

Walk steadily with every step you take."

Compared to last time, this process was even faster and smoother.

Since all the conditions followed the previous loan agreement, as Chairman of Hang Seng Bank, Ho Sin Hang had the authority to expedite approvals.

Thus, the fifteen-million-dollar loan proceeded quickly.

They signed the contracts promptly, and Ho Sin Hang immediately instructed the finance department to transfer the funds into Lin Haoran's account.

Everything was handled cleanly and efficiently.

After resolving the loan, Lin Haoran felt a great weight lifted from his heart.

He expressed his sincere gratitude to Ho Sin Hang and then left Hang Seng Bank's headquarters feeling much lighter, ready to throw himself into the next phase of his plans.

With the fifteen million Hong Kong dollars now credited to his account, Lin Haoran's available funds rose swiftly to over thirty-one million.

This undoubtedly injected tremendous energy into his investment plans.

However, this success came with a heavy price—his total debt had now climbed to 95 million Hong Kong dollars.

Counting interest, his liabilities had officially crossed the 100-million-dollar mark.

Facing a debt of one hundred million, Lin Haoran indeed felt an unprecedented pressure, like a towering mountain weighing down on him.

Yet, rather than being crushed by it, he drew strength from the challenge.

Everything was still within his meticulous calculations and expectations.

This was a necessary step to achieve a greater ambition.

If word of this debt leaked, many would probably view Lin Haoran as a reckless gambler.

After all, starting from a mere cement factory worth just over ten million, he had leveraged his way to nearly 100 million in debt within a little more than a month.

Such audacity would seem insane to most.

Leaving Hang Seng Bank, Lin Haoran didn't return directly to the office.

Instead, he drove to a nearby branch of HSBC.

His goal was to cash the five-million-dollar checks his second and third sisters had given him and deposit the funds into his trading account.

At HSBC, Lin Haoran was warmly received by a senior manager.

Thanks to their professionalism and efficiency, the entire process of cashing and depositing the checks took barely half an hour to complete.

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