Chapter 79

"Andy, you don't have to look at me like that. Actually, our chances of success are very small," Robert glanced at Liu Yuxuan and continued, "Charlie just asked about your determination to buy the Grizzly Ranch, but it's also something I wanted to ask."

"In your country, there's a saying: 'If you don't risk the child, you won't catch the wolf.' Am I right?"

Looking at Robert's annoying face, Liu Yuxuan really wanted to kick him. This was such a critical moment, and he was still showing off his literary skills.

"Robert, you have to believe me. I really want to beat you up right now," Liu Yuxuan said, flexing his muscles for emphasis.

Actually, Liu Yuxuan knew that Robert wasn't the type to neglect important matters. The atmosphere had been too tense, so he was just trying to lighten it up.

"OK, OK, I'll continue," Robert quickly pleaded, "The biggest problem we face now is to find out the funding gap of Grizzly Ranch's parent company. To do this, we need to use some methods, but Charlie is good at this."

"Damn it, I'm a law-abiding person," Charlie glanced at Robert and said irritably, "Actually, it's quite simple. We can use an intermediary company to find out some information about the parent company of Grizzly Ranch. The cost is around $100,000."

Charlie paused, looked at Liu Yuxuan, and continued, "That's why I asked about your determination earlier. If we're lucky, and the parent company of Grizzly Ranch has a large funding gap, we have a chance to buy it at a low price."

"If we're unlucky, and the gap isn't significant, or it's just a temporary issue, then the money will be wasted. Another scenario is if the funding gap is large, but we can't get the loan, which would also be a waste."

"Robert, what are the chances of getting a loan based on our organic vegetable farming technology?" Liu Yuxuan asked.

Robert thought for a moment, "There's about a 30% chance. But even if we get it, the bank's terms will be very strict, so you need to be prepared."

Allen didn't know what to say; everything depended on Liu Yuxuan's decision.

"I'm going all in. Charlie, go contact someone and gather the information. If I don't take this chance, I might regret it for the rest of my life," Liu Yuxuan said firmly.

Hearing Liu Yuxuan's decision, Charlie and Robert were equally excited. A capital transaction of over $20 million, and they were part of it—just thinking about it was thrilling.

The two didn't stay long. One went to contact people for information, and the other went back to look into the loan details.

"Andy, I don't know if suggesting this was right or wrong. I don't know how to help you, but I promise I won't interfere with your relationship with Michelle. Even if the worst happens, we still have the Kate Ranch," Allen patted Liu Yuxuan's shoulder and said.

"Don't worry, Allen, I understand," Liu Yuxuan was truly grateful to his future father-in-law.

The waiting was agonizing, and Liu Yuxuan's mental state was clearly not good over the past two days. Fortunately, Charlie and Robert came back on the third day, looking winded.

"Charlie, how did it go?" Liu Yuxuan asked as Charlie walked in.

"The information is here; you can look at it yourself," Charlie said, tossing a file folder and then sitting down on the sofa, exhausted.

"I'm not in the mood to read this stuff. Just tell me, do we have a chance?" Liu Yuxuan asked anxiously.

"It's good news for now. The CEO of their parent company has been involved in some scandals, causing the stock price to plummet and the company's cash flow to break. The funding gap is still significant," Charlie said.

After hearing this, Liu Yuxuan turned to Robert.

"These past few days, I've consulted with some family members and used my connections to get an idea of how Citibank evaluates you. Our chances of success have increased by 10%," Robert said, "But my family gave me a good suggestion: if we can get the loan, it's best to borrow $20 million."

"In the evaluations of these big banks, given our current situation, if we can get a $17.5 million loan, $20 million shouldn't be a problem. We've planned for the basic expenses, but if there are any emergencies, it could be troublesome."

"Alright, that works for me. How should we proceed next?" Liu Yuxuan thought for a moment and said.

"Let's start by meeting with Jack from Citibank. If he can help, things will be much easier for us," Charlie, lying on the sofa, said.

"Alright, Charlie, it's not time to rest yet. Go contact the Grizzly Ranch and see what they think. I'll meet with Jack and Robert," Liu Yuxuan thought for a moment and said.

The meeting place Liu Yuxuan and Jack agreed on was the Citibank in Palm Springs. Such a big deal couldn't be discussed over the phone.

"Andy, what brings you here today? I was thinking of visiting your ranch for some authentic Chinese cuisine," Jack said warmly.

"Jack, I have a small problem that needs your help," Liu Yuxuan then explained his plan to buy the Grizzly Ranch and the need for a $20 million loan from Citibank.

"Oh, my God, you might as well just kill me, Andy. This isn't a small problem," Jack said, rubbing his forehead after hearing Liu Yuxuan's explanation.

If it were a few million dollars, with Liu Yuxuan's credentials, Jack could make the decision. But $20 million was beyond the authority of their manager and needed to be reported to headquarters.

"Jack, don't say it's impossible," Liu Yuxuan said, "I can't explain it in detail, but this is Robert. You've met him before when we got the last loan. Let him explain."

"Jack, we actually have a good chance of success," Robert started by giving Jack a bit of confidence, "We will use Andy's organic vegetable farming technology and the Grizzly Ranch as collateral."

"You need to understand that Andy comes from a magical Eastern country. He obtained USDA authorization from the Department of Agriculture as soon as he arrived in Palm Springs. If he didn't have special techniques, no one would believe it."

"Now, we're offering this. If you lend us $20 million, in four years, you just need to report Andy's magic honestly. What do you think?" Robert stared into Jack's eyes.

Seeing Jack's expression soften, he added, "If this loan is successful, regardless of the outcome, it won't be bad for you. If Andy succeeds, you'll be his personal account manager, and I'm sure he won't change you. Right, Andy?"

Liu Yuxuan nodded vigorously.

Robert continued, "If Andy fails, you won't lose anything. First, there's the Grizzly Ranch, and second, there's the organic vegetable technology."

"Robert, I have to say, you're an excellent negotiator," Jack looked at Robert and said, "Personally, I have no reason to refuse such a big opportunity. I'll do my best to help Andy, but we'll have to leave the rest to God."

"Jack, rest assured. No matter what happens, you will always be my friend, a true friend," Liu Yuxuan looked at Jack and promised.

Actually, Jack was also taking a risk. If the loan wasn't approved, he would have a professional blemish at Citibank, reducing his chances of promotion, or even making it impossible.

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