Chapter 25 Chapter 24 Encountering a Funding Bottleneck

Liquidity is the biggest problem. Many customers ask me to deliver the goods to the construction site first, and then pay me.Sometimes, although it is said that the good goods will be paid to me as soon as they arrive at the construction site, due to various reasons, they are not cashed in time, which means that it will take a few days for me to get back the money I paid in advance. As soon as this happened, my disadvantage of not having capital became obvious at once. I do everything possible to establish a good relationship with my upstream suppliers, and when I have nothing to do, I go to the suppliers to sit and communicate with each other, in order to obtain the supplier's billing period.

With my efforts, several suppliers are willing to give me credit, so that I can barely turn over. But the supplier's trust in me was fragile, and I was careful to maintain my credibility.Once, when the time came when I promised to pay a supplier, I had no money to pay him. In desperation, I asked Xiaoyu to borrow 200 yuan to pay him. Gradually, I reached a tacit understanding with the suppliers: usually I only need to give them a warehousing receipt when I get the goods, and the payment is made twice a month.In order not to let all the suppliers come to me to settle the payment at the same time, I deliberately divided the suppliers into two batches: one batch settled on the 8th and 25th, and the other batch settled on the 12th and 29th.

This is the so-called tearing down the east wall to make up for the west wall. With my day and night efforts, our sales have risen rapidly.By this month, our monthly sales had reached nearly 50,000 yuan. Funding bottlenecks emerged again. It turned out that I divided my suppliers into two batches, and the settlement time of each batch was different. I thought this would achieve the goal of always using the money from one batch of suppliers for turnover. But the actual operation is not so easy. For example, sometimes in order to make a deal, I have to agree to the customer's request to delay the payment; in addition, not all suppliers are willing to give me credit.Sometimes, I will use cash to buy materials and then give customers credit.That way, the bigger my sales, the more capital I need.

Several times, suppliers came to me to settle the payment with my warehousing slip, but I had no money to pay them.The supplier's trust in me is inherently fragile. Once this happens, they will never give me credit again. At noon, seven or eight suppliers crowded into our small office, chirping and asking me for money. I really couldn't afford the money, and the whole body was collected for less than 20 yuan. My younger brother also has no money, so I explained humbly to my suppliers, hoping they would have a few days of grace, and once the payment arrived, I would personally deliver it to them.

A supplier handed over a storage slip, saying that there was only 80 yuan, and he hadn't paid him the last time he came, but he must pay this time. I said next time I come to tie the knot, I really don't have any money today. The man got angry and said, "I can't even pay 80 yuan, so I want to do a rough business?" Others also joined in, dissatisfaction and anger began to heat up, and someone even murmured that I was a liar. The word "incitement", I began to appreciate its power at that moment. Some people say I'm a liar, and then others try to remember all the inappropriate things about me before, and then they really think I'm a liar, and start booing all at once.

In a hurry, in order to protect myself from losses, I started to see if there was anything valuable in my office. My younger brother helps people repair computers. There are three computers waiting to be repaired in the office. For some people, I may only owe him two or three hundred yuan, and I took the computer away without mercy; for some suppliers, I owe him more money, and I may not get anything.It was a chaotic scene and I was trying to keep my head down and remember who had taken my stuff. My brother called the police, and when the police arrived, the office had been ransacked, and the rest were those who hadn't received the money, and they pestered me.

The police learned what had happened and said it was an economic dispute, and nothing serious happened.After finishing speaking, I left. I made a statement to the remaining people who asked for money and said, give me three days, and I will collect the money and send it to them. They can't help it, they can't beat me up for this little money, can they?Then they still don't get the money. The supplier left, and my brother and I sat in the office, relatively silent. The computer belongs to my younger brother's client, and now it has been taken away by someone, what should I do?

I believe that there are still a lot of kind people in this society. As long as I return the money to them in time, they will return the computer to us. We did the math, and it took more than 20,000 yuan to pay for the goods.I called the clients, and the money that can be recovered in the past two days is only more than 10,000 yuan, which is more than 10,000 yuan. I thought about where I could borrow it, but there didn't seem to be any. I have almost cut off contact with my former friends in the past few years. It is unrealistic to ask them to borrow money suddenly, not to mention that I never thought of asking them to borrow money even when I was hospitalized.

What about my brother's friends?Since I was hospitalized and he went to borrow money, he has gained a reputation for being dishonest, and it is not easy to borrow money. There is no need to think about friends who have business contacts. I suddenly thought of borrowing usury. My mother-in-law's friend, a woman surnamed Jiang, who sells Ping An Insurance, is helping others to lend usury. I once heard my mother-in-law talk about it by chance. Thinking of usury, I felt a little excited, as if I had returned to the old society. I called the woman surnamed Jiang, and said that the funds for the business were a little tight recently, and I wanted to ask her to borrow some money with interest.

She asked me how much I wanted, and I said 20,000. The woman surnamed Jiang refused outright, she was worried about me. That's right, a person who can't even pay more than 3,000 yuan in insurance premiums wants to borrow 20,000 yuan, who would believe it?I wanted to ask my mother-in-law to tell the woman surnamed Jiang, but I finally dismissed the idea. In the morning, I asked my younger brother to get the money from the clients I had originally agreed to, and I went to my creditors to speak good words. I have to get my brother's computer back, and I can't affect my brother's business because of my affairs.Think about it, someone asked you to help repair the computer, but the computer was used to pay off the debt. If the news spread, my brother couldn't stand it.

I divided the creditors into two groups, one group took my computer, and the other group took nothing. I once expressed my opinion to the creditors who didn't get the things, and gave them the money within three days, but now it seems that three days is impossible. I visited one by one, explained the situation to them, and asked them to wait for a few more days. I said, "If I were a liar, would I still come and say something nice to you?" Most people expressed their understanding, and those who did not understand, I still promised to give them the money within the specified time. I did the math, and the money my brother got back was enough to redeem the computer, and there was a little extra money that I could pay part of them. In fact, this little money will not hurt them, they are just afraid of being cheated. I understand that what I want to do is to reassure them. When my younger brother came back with the money, I went to find another group of creditors. I told them that the money owed to them was really due to the lack of capital turnover. I am sorry for them. Now that my payment has been returned, I hope they will give me the computer. Two of them returned the computer to us, and one of them cheated and refused.He said that he also owed money to others, and the computer was taken by others to pay off the debt, and now it is in the hands of others. Damn, I only owe him more than 900 yuan for the purchase, so the computer is worth at least 2,000 yuan, right?I am really speechless to do business with this heart.Anyway, I have cooperated with them a few times, why do I turn my back on them and deny them? No matter what I say or what I say, this is cheating. I can see that this is a clear bully.He knew that I was a little broker, like a little fish in a river who couldn't catch the waves, and deliberately made things difficult for me. As we spoke, the smell of gunpowder came out.My brother said that he hoped they would return the computer to us, otherwise it would be difficult for everyone. Anyone can hear that this is a harsh word. Two people came out of the room and said, "Who are you threatening?" One of them pushed his younger brother.The younger brother slipped and fell to the ground. The anger in my heart rose immediately, I picked up a stick next to me, and hit the person who pushed my brother head-on.The man blocked it with his hand in a panic, and only heard a "pop", and the man squatted down screaming. Over the past few years, because of being poor, I have been depressed everywhere, unhappy everywhere, and insulted everywhere.All the grievances were released by me with this stick. My younger brother was small and was pushed to the ground by a person. I rushed over, kicked the person away, and pulled him up from the ground. What a fighting brother, our two brothers picked up the guy and fought for a while. More and more people were watching, and the police arrived immediately. We were taken to the police station to take notes, and one of the people in that store was taken to the hospital. The younger brother also went to the hospital. During the chaos, he was punched in the face and got a blood bag. The police station is a place where people calm down, and the police hope that major incidents will be reduced to minor ones.On the night of the recording, we went home separately, and later went to the police station to mediate several times. In the end, the computer was returned to me, and I paid off the other party's payment, and one person was injured on each side.The other party's injury was serious, his arm was broken, and some of the other party's goods were broken, so we gave him a total of 8,000 yuan. There was a fight, and I lost 8,000 yuan. I felt very painful, but I gained a little more confidence in being a man. Don't look at some people who are usually stern, when it's their turn to do something, most of them are tortoises.