In the following days, Qin Yun just kept on buying and buying.

The negotiations went smoothly, as there were no cases where businesses were unwilling to sell; after all, Zhao Tianqiang had already considered such scenarios when dealing with these matters previously.

Those unwilling to sell wouldn't be on Qin Yun's list.

Of course, there were instances where negotiations fell through midway, with the other party asking for too high a price. Qin Yun wasn't a fool and naturally wouldn't overpay.

He didn't have to settle for only one option.

In the end, over four days, Qin Yun bought two commercial properties, each over two hundred square meters, paying in full. Each cost about twelve million, totaling twenty-four million!

The money from the store added with the money for the shops amounted to thirty-four million on Qin Yun.

After buying the two large stores, only ten million remained.

He used this ten million to buy five small stores, each forty square meters.

In total, that's two large stores and five small ones, and thus the thirty-four million was spent.

However, several days had passed, and with the time Zhao Tianqiang spent investigating and buying these shops, in just over a week, Qin Yun could draw out another two million funds from the store!

After all, he now had six small stores in Jinling and four in Qingwu County, each with a daily turnover of at least thirteen thousand, totaling at least one hundred thirty thousand a day for the ten stores!

After more than a week, nearly a million could be drawn from these small stores.

Additionally, Qin Yun had three large stores, each bringing in over seventy thousand daily, making the total daily turnover for the three over two hundred thousand. In just over a week, these large stores could yield over a hundred thousand!

Thus, Qin Yun managed to put together another two million.

Of course, after drawing out this money, the earnings for the remaining ten days would only be enough to pay the next month's salary for Celestial Fortune Clothing's store and factory employees, after which there wouldn't be any more money available.

However, with the Wealth Gathering Array in place, Qin Yun wasn't worried at all.

Finally, Qin Yun arrived at a commercial street, where there was a small shop of forty square meters.

"Yun, how much money do you still have?" Qin Lu couldn't help but ask her younger brother.

Previously, when she heard Qin Yun mention having over thirty million, she estimated just around thirty million, thinking Qin Yun had exaggerated.

But now Qin Yun had already spent thirty-four million and was still looking to buy more shops!

"Second sis, this is the last one." Qin Yun smiled.

After buying this, he wouldn't be able to buy any more even if he wanted to.

Quickly, the shop owners arrived, a couple, though they seemed somewhat estranged, almost as if they were divorcing and selling the shop to divide the assets.

To this, Qin Yun didn't say much, as the reasons for previous landlords selling shops varied widely.

After some bargaining, the last shop was bought for about two million.

Thus, Qin Yun purchased eight shops in total.

Six of forty square meters and two over two hundred square meters, spending thirty-six million in total!

This was the limit of what Qin Yun could currently afford.

Standing in the shop, Qin Yun looked into the distance, where there was a large clothing store—the Cold Dew Clothing Store, with an area of one hundred fifty square meters.

For the Cold Dew Clothing Store, such an area was just average, as most of its shops in Jinling were around one hundred square meters, with several larger ones over three hundred square meters.

"However, this is still not enough," Qin Yun silently pondered.

In about ten days, it would be December 1st, by that time, the Wealth Gathering Array would create three more stores, giving him twelve stores in Jinling!

"Sis, if I mortgage these shops to the bank, how much can I borrow?"

Qin Yun looked at his second sister, Qin Lu, and suddenly asked.

"Mortgage?"

Qin Lu was surprised, previously thinking her brother was buying these shops for stability and to wait until they appreciated, not realizing he was already thinking about mortgaging them.

"Yun, what are you planning to do with the loan?" Qin Lu couldn't help but ask.

Qin Yun explained: "My plan is to buy four more two-hundred-square-meter stores and eight more forty-square-meter shops now; I've bought four and there's still four left."

According to Qin Yun's estimation, he still wanted to buy two more two-hundred-square-meter and two more forty-square-meter stores.

Upon hearing Qin Yun's words, Qin Lu immediately shook her head and said, "Yun, you're talking about mortgaging properties to buy more properties. Real estate mortgages fall under consumer loans. And there are certain restrictions; it can't be used directly for buying houses since the state wants to curb real estate speculation."

She explained to Qin Yun.

Upon hearing this, Qin Yun frowned slightly and said, "There are such restrictions?"

He wasn't very knowledgeable about these matters.

"So I can't get a loan?" Qin Yun asked.

His intention was to mortgage the shops to buy more shops, but there were significant bank restrictions.

"Not exactly."

Qin Lu thought for a moment and said, "You currently have nine shops in Jinling and can use them for a loan. Moreover, the money from a mortgage does not have to go toward buying houses; it can be used for operating Celestial Fortune Clothing, paying employee salaries, etc., as these are substantial expenses. The money earned by Celestial Fortune Clothing can then be used for purchasing properties, and there are no stringent boundaries by the banks on this front, allowing for more flexibility, as they're primarily concerned with repayment capability."

"However, you'll need to provide Celestial Fortune Clothing's monthly cash flow records."

Banks aim to make money, so if there is repayment capability, they'll naturally be willing to offer loans.

Qin Yun nodded.

Celestial Fortune Clothing's monthly revenue was skyrocketing; this month's turnover was estimated to approach ten million, sufficient to demonstrate his repayment ability.

"But Yun, are you really using this money to continue opening clothing stores?" Qin Lu hesitated for a moment but couldn't help but ask.

Though Qin Yun's sister, she acknowledged that Cold Dew Clothing was significantly stronger than Celestial Fortune, a fact not to be denied.

But Qin Yun still chose to compete and didn't give up.

"Yes, of course, I will. Any brand clothing will encounter various problems during its startup phase. Retreating at the slightest issue hardly qualifies as brand building," Qin Yun said, smiling while looking at the shop behind him.

Success isn't easily achieved, but for him, the path to success is broader than for others.

Looking at her brother, Qin Lu seemed to feel a strong, self-assured presence.

"Alright."

She nodded and said, "Then tomorrow, we'll go to the bank to arrange the loan."

By now, it was evening, and the bank was about to close.

Time flew by, and the next day arrived quickly.

(Thanks to Half-Life Cool Cool Cool's 1500 gift, thanks to Wei's ArChung for the 200 gift, and thanks to Z188888888 for the 100 gift, thank you.)

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