Chapter 17

The weather cleared up a bit,

In the record stores of Ginza and Akihabara,

The cheerful and sweet voice of "Cherry Blossom" began to play.

Even the posters of Seiko Matsuda were filled with tender colors, as if the cherry blossoms of two months later had already bloomed on the streets of Tokyo...

After Momoe Yamaguchi retired, the idol industry for the past two years had been dominated by Seiko Matsuda.

On the streets, one could hear the occasional passing female students humming this melody.

The records in the stores were in such high demand that they were asking for more prints.

Nagayama Naoki, of course, didn't need to buy them. As soon as the records were produced, Sanwa Daikatsu sent ten copies, each with Seiko Matsuda's personal signature, as a favor to an insider.

Nagayama Naoki, of course, didn't forget about Suzumi Hoshino. He sent one each to her and Nakai Eita, and also sent one to his mother, Tsuruko, at home. However, his mother, Nagayama Nanako, wasn't a fan of young idols; she preferred Hikaru Utada.

Speaking of Nakai Eita, it seemed he had already decided to join a bank, becoming a highly sought-after Bankman at Tokyo Mitsubishi Bank. Perhaps he could help with loans in the future.

After a week of the record's release, it indeed topped the Oricon charts, becoming a huge hit.

The lyrics and music were credited to Nagayama Naoki, which naturally piqued the industry's curiosity. Some media outlets had already begun to describe this newcomer as a "genius creator."

At this point, Nagayama Naoki finally put aside his long-standing worries. Even if the historical timeline of the record was disrupted, it remained a popular song.

...

...

When the rankings were announced, Nagayama Naoki began his long-planned move.

"Mr. Eita, how's your work at the bank?" On Monday, Nagayama Naoki contacted Nakai Eita.

"Well, what can I say... I'm fetching tea and running errands at the branch. Isn't that what new employees do when they first join? Especially at RB, where seniority is highly valued. A new employee without connections won't get a chance to handle real business for at least a year."

"How are your direct seniors? Are they easy to talk to?" The mentor-apprentice system is also part of the corporate culture.

"Ito-san... He's an experienced senior, well-liked in the company, and very kind..."

"Oh, he doesn't bully new employees, it seems. He must be quite capable..." At RB, where competition is fierce, everyone wears a fake smile, and bullying new employees is a tradition. The less capable the senior, the worse their attitude towards new employees.

"Maybe, but I haven't handled any business yet, so I don't know the specifics~"

At this point, Nagayama Naoki said, "Mr. Eita, if you brought a customer with a large loan, would Ito-san let you handle the business earlier?"

In banks, there are employees called resource employees who can bring in a lot of business, funds, and connections, and are highly valued by bank leadership.

The economic situation at RB has been good for the past two years, and the bank is actively trying to lend money. Tokyo Mitsubishi Bank is no exception.

"How large of a loan?"

"At least 100 million yen~"

"That's not too big... But it should make Ito-san happy~" I felt like I was being mocked...

Nakai Eita, you've only been at the bank for a few days, and you already consider 100 million yen a small amount!

The next morning, Nagayama Naoki brought the copyright revenue-sharing contract to Nakai Eita and was taken to a VIP meeting room in the Tokyo Mitsubishi Bank Naka-no-ku branch.

After sipping a few mouthfuls of the hot tea served by the bank's young lady, he found it fragrant and much better than the tea at real estate agencies and offices.

Soon, Nakai Eita led a well-dressed man with a gold-rimmed glasses into the room. As soon as he entered, he bowed to Nagayama Naoki: "Nice to meet you, I am Mitsubishi Bank's key customer manager, Ito Shin'ei."

"Nice to meet you, I am Nagayama Naoki." Nagayama Naoki also bowed in response.

"Mr. Nagayama, thank you for choosing our bank. I will do my best to handle your loan application." Another bow...

"Thank you, I will trouble you, Mr. Ito." Another bow, the etiquette was indeed cumbersome.

After both parties finally sat down, Ito Shin'ei began to ask about the specific details of the loan, "I heard part of it from Mr. Eita, but I would like to confirm with you again."

"Sure, it's quite simple. I composed a song, and thanks to Seiko Matsuda, the record has done well. I want to use the copyright revenue as collateral to apply for a loan to operate a business."

Of course, he couldn't say he wanted to use it for real estate speculation, as that would fall under a different loan category. Even in RB, mortgage applications are strictly reviewed, requiring information on personal annual income, personal attributes, credit history, and more.

For someone like Nagayama Naoki, who has no salary, no annual income, and no regular income, it would be impossible to get a large mortgage.

Especially if you have a mortgage, it would lower your credit rating, making it very difficult to get another loan using the property as collateral.

However, if it's a commercial mortgage loan, the review is much looser. As long as the commercial value of the collateral is confirmed, the bank won't care much about the specific use of the funds.

"Which song's copyright revenue is it? Have you determined the final revenue range?"

"It's Seiko Matsuda's newly released 'Cherry Blossom,' which has already topped the Oricon charts and is expected to be a big hit."

"Wow, that's impressive!" Ito Shin'ei clearly understood the profits in the music industry, "A hit record like this, even with just 500,000 copies sold, would generate over 100 million yen in revenue..."

Nakai Eita also chimed in, "I thought the 10 million yen in copyright fees was all of it..."

"Sure, but this is the long-term revenue. I want to apply for a loan now to operate a business." Nagayama Naoki ignored Nakai Eita.

"Can you tell me more about the specific direction of the business you want to operate?"

Nagayama Naoki was well-prepared and pulled out a business plan from his backpack, "Based on the current popular dance halls and future trends, I have created a plan for a dance hall."

Having worked as a part-time worker for so long, making PPTs and data analysis was a piece of cake.

This plan, based on the future of disco clubs, combined with the development of dance halls and KTV, looked very promising with a 30-year lead.

"This plan looks very promising! Mr. Nagayama, your vision is truly ahead of its time!"

Ito Shin'ei, with his extensive experience as a key customer manager, had seen many outlandish ideas, but this plan intrigued him.

"Mr. Nagayama, have you heard of Proper Loan (プロパーローン)? I think your plan might qualify for a more flexible Proper Loan..."

"I haven't, could you explain it, Mr. Ito?"

After listening to Ito Shin'ei's explanation, Nagayama Naoki realized that the Proper Loan, a deeply customized investment loan, was similar to venture capital, with a larger amount and lower interest rate, but with many additional clauses and project supervision.

Upon understanding the details, Nagayama Naoki immediately declined. Wasn't this just a way to lure young people into entrepreneurship and then harvest the benefits through financing and listing?

He didn't even want to work as an employee, let alone start a business? Working tirelessly, from 007 to 000...

This business plan was just a facade, mainly to get a loan to buy commercial land under the guise of opening a disco club.

"Thank you for your offer, Mr. Ito, but I am not considering a larger loan at this time. I still want to apply for a loan based on the copyright revenue." In RB, this was a clear rejection.

"Ah, that's too bad..." Ito Shin'ei was also disappointed. If he had secured a Proper Loan, and the project succeeded, he would not only get a commission but might also be dispatched to the project as an executive.

This wasn't a temporary assignment but a significant boost to his career, similar to a seconded leader in China.

However, Ito Shin'ei didn't push further but instead began to review the documents and assess the loan amount according to Nagayama Naoki's request.

"Overall, Mr. Nagayama's loan application has no issues, and the 100 million yen should be approved. It will take about 3-4 days to process, and the funds will be credited to your account then."

Since he had already contacted Nakai Eita beforehand, the documents were complete, but the copyright revenue-sharing contract needed further confirmation.

For the efficiency of this era, this was quite fast.

Of course, it was also because Nagayama Naoki's attributes were clear, and the collateral was of high quality.

"Mr. Nagayama, I will handle the relevant procedures for this loan. Mr. Eita will entertain you in the meantime." Ito Shin'ei bowed and said, "I will take my leave now."

"Thank you for your trouble today!" Nakai Eita and Nagayama Naoki stood up and bowed in farewell.

...

The door of the meeting room closed with a soft click.

At this point, Nakai Eita finally breathed a sigh of relief: "Finally, it's over..."

"The atmosphere was so tense. I've never seen Ito-san handle business before. I didn't dare to say a word."

You did speak... Nagayama Naoki looked at him disdainfully and said, "You still have a lot to learn, Mr. Eita~"

"Why didn't you apply for that Proper Loan? It sounded like a larger amount with a lower interest rate?" Nakai Eita was a bit puzzled.

Of course, to avoid the hard work of starting a business!

"Do you think Proper Loan is that good? From the introduction, it's clear that the loan is based on the project's progress. If the business doesn't progress or faces difficulties, the bank will stop lending and demand repayment... They will also send someone to supervise every expense..." Nagayama Naoki found a reason.

"Isn't there a saying that banks are institutions that 'lend you an umbrella on a sunny day and take it back when it rains'?"

"Ah, Mr. Naoki, do you have a misunderstanding about banks..."

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