Chapter 18: Smoother Than Expected

After bidding farewell to Su Zhixue, Lin Haoran returned to his office.

Checking his wristwatch, he saw it was only five in the afternoon. It was still early, and at this hour, Yang Changdao was bound to be at the company.

Sure enough, he called Yang Changdao's office, and not long after, the call was answered.

"Uncle Yang, it's Lin Haoran." Once the call connected, Lin Haoran identified himself immediately.

"It's Haoran! I wonder what brings you to call?" Yang Changdao asked curiously upon hearing Lin Haoran's voice.

"I wanted to check on the progress of the loan," Lin Haoran asked directly.

"Haoran, this can't be rushed. I only just finished organizing the documents today; I haven't submitted them yet. According to the standard procedure, once I submit the files, Yumin Bank's headquarters will dispatch an investigation team here in Hong Kong to look into your situation. Once the results are out, headquarters will conduct a review. If it passes, the funds will be disbursed. It takes time; under normal circumstances, the funds should arrive between next Tuesday and Wednesday."

"Uncle Yang, to be honest, I am in urgent need of the money. I need to secure the shares of that listed company as soon as possible. Is there any way to accelerate the disbursement?" Lin Haoran continued.

Yang Changdao pondered for a moment before replying, "Accelerating the disbursement is indeed quite difficult, especially since a loan of fifty million Hong dollars is a significant amount. Headquarters will naturally pay extra attention.

However, based on your situation, I do have a suggestion. I can forge a guarantee letter from Mr. Lin Wan'an. The investigation team consists of my people, and I can ensure they handle things appropriately so as not to truly disturb Mr. Lin Wan'an.

But you must remember: if this guarantee letter is accidentally leaked, you must ensure that Mr. Lin Wan'an recognizes the validity of his guarantee. This is purely to ensure the smooth progression of the process; otherwise, it won't benefit you or me.

With Mr. Lin Wan'an's name as a guarantor, I will mark this as an expedited request. Once the internal review process is complete, the branch manager may be able to significantly advance the disbursement time using special discretionary authority. If everything goes smoothly, we might be able to complete the disbursement as early as this weekend."

"Will your head office, Yumin Bank, call my father to investigate? I don't want my father to actually find out about this," Lin Haoran expressed his concern to Yang Changdao.

"Haoran, you can rest easy on that. The head office doesn't have a deep understanding of the specific situation here in Hong Kong; they won't easily interfere in local affairs. All investigative work will be handled by the professional team dispatched by headquarters, and the head of that team and I are as close as brothers. We share a deep bond, supporting each other through thick and thin. To be honest with you, I'm going to split that five hundred thousand Hong dollars with him. Therefore, your concerns are entirely unnecessary. We will handle everything properly!" Yang Changdao said with full confidence.

From Yang Changdao's words, Lin Haoran deeply sensed that for the sake of that five hundred thousand Hong dollars in "tea money," Yang Changdao was indeed going all out, not hesitating to use various resources and methods to facilitate the accelerated approval of this loan.

However, Lin Haoran also keenly perceived that such unscrupulous behavior for the sake of profit would likely come back to haunt Yang Changdao in the long run.

Once this deal was over, he did not intend to have much further involvement with Yang Changdao.

In the fertile financial soil of Hong Kong, there were numerous banking-related enterprises. Especially after the Hong Kong government issued more licenses, even more international financial firms would enter the market. As he gradually made a name for himself in the business world, he would naturally have more formal and reliable channels to choose from for future financial needs like loans.

Maintaining a clear head and choosing partners cautiously was the path Lin Haoran should take in the future.

As for now, it was simply a matter of necessity. Aside from obtaining such a large sum through Yumin Finance Company, it would have been impossible for anyone else to approve fifty million Hong dollars for him.

Lin Haoran's actions were not without a clever exploitation of Yang Changdao's greed.

He had his own calculations regarding the variables that might arise in the future.

Even if Yang Changdao's scheme were to be exposed for some reason, Lin Haoran did not feel overly worried.

He knew that he was merely following the normal loan process; all other matters were being operated by Yang Changdao and had nothing to do with him.

As for the five hundred thousand in "tea money" he had proactively proposed, he would settle it in cash, so naturally, no evidence would be left behind.

Once he repaid the loan on time a year later, everything would be fine.

As for whether his father would find out, Lin Haoran already had his own considerations.

In his view, people like Yang Changdao would not leak the news voluntarily, meaning there was certainly nothing to worry about within a year.

By the time the truth came to light, he would have already established a firm foothold in the business world and achieved remarkable success.

By then, he would have enough strength and confidence to face any challenge, including inquiries or doubts from his father.

Moreover, his father had always doted on him; by then, he might have already inherited the position of Chairman of the Wan'an Group.

Therefore, he remained quite indifferent to this point.

"In that case, I'll trouble you to handle this for me, Uncle Yang. I'll wait for your good news," Lin Haoran said, hanging up the phone satisfied.

Things were going more smoothly than he had imagined; originally, he had only wanted to try his luck.

Leaving the office, Lin Haoran took the two brothers, Li Weiguo and Li Weidong, and prepared to head directly back to the Deep Water Bay villa.

After the fusion of his memories, he had completely accepted everything in this world, including family and friendship.

Therefore, while he wasn't busy yet, he intended to spend more time going back to accompany his parents whenever he had the chance.

Last night, Lin Haoran had already consulted his father, who agreed that he could bring the Li brothers back to live there; after all, there was enough space on the first floor of the Lin family villa.

Otherwise, he couldn't keep arranging for them to stay in hotels.

How could he ensure his own safety that way?

In this chaotic society, even a wealthy young master like him could inevitably become a target for certain criminals; kidnapping incidents were common and required vigilance.

With Li Weiguo and Li Weidong following him, he would be much safer.

The car left Central and headed toward Deep Water Bay, passing through a section of winding mountain roads.

In this era, the Hong Kong仔 (Hong Kong仔) Tunnel had not yet been completed, so the road to Clear Water Bay was still somewhat inconvenient, with no direct expressway.

Because of this, Clear Water Bay had managed to retain a rare and precious sense of tranquility and isolation. It was like a pearl set apart from the world, far from the hustle and bustle of the city, exceptionally quiet. It was this unique charm that attracted many wealthy magnates, making it their ideal sanctuary.

"Weiguo, Weidong, do you know how to drive a car?" Lin Haoran asked while driving on the way back.

"Young Master, I've never touched a steering wheel, but Big Brother has driven a tractor, so he should have some basics," Li Weidong replied bluntly.

"How about this: I'll find a place for you to practice driving tomorrow. You can take some time to practice and get your driver's licenses," Lin Haoran said directly.

It always felt a bit unnatural for a boss to personally drive for his bodyguards.

(End of Chapter)