"Lu, is that your brother?"

At that moment, the girl beside Qin Lu looked astonished as she saw Qin Yun drive over.

She was Qin Lu's classmate and had just happened to run into her on the road.

Now, as these senior year students were in their internship phase, she had managed to use some connections to secure an internship at a big law firm, while Qin Lu's was just at a small place, evidently lacking special connections.

But her brother already had a car?

Back in college, she never knew that Qin Lu's family was wealthy.

"Yes."

Qin Lu smiled, nodded, and said, "Xiaoyu, I've got something to do, so I'll head out first."

She walked to the car, opened the door, and sat in the front passenger seat.

Soon, they arrived at the bank and found their previous client manager Lin Xueya.

"Mr. Qin, based on the cash flow from your clothing store, you can loan ten million." Lin Xueya said with a professional smile.

Now, Celestial Fortune Clothing's daily revenue was steadily rising, with this month's profit at least over seven million, so Qin Yun only needed a ten million loan.

Of course, it's still early December, and the profit hasn't materialized yet, but to purchase the clothing store outright, part of the payment can be made first, and the remaining amount can be settled once all the paperwork is completed.

Lin Xueya smiled, knowing her bank had already investigated Celestial Fortune Clothing's situation, understanding it was in competition with Cold Dew Clothing, although she didn't think much of it.

Currently, Qin Yun has numerous shops mortgaged to the bank, and these are premium assets, so there's no concern about him defaulting.

The paperwork was completed quickly, and the funds would soon be transferred to Qin Yun's account.

"Now, what I owe the bank is piling up." Qin Yun said helplessly.

Including this ten million, he already owed the bank forty million.

However, even with such debts, Qin Yun's business now included twelve fully-owned shops and was soon to expand to fifteen!

With such assets, Qin Yun's foundation was solid!

Discussing for a while, Qin Yun and Qin Lu left, when suddenly a girl approached them on the street.

This girl was very pretty, wearing a white down jacket, with a graceful figure.

"Qin Yun?"

Seeing Qin Yun and his companion approach, the girl instinctively slowed her pace.

Qin Yun simply glanced at her and moved on, as they were not acquainted.

"Qing." Seeing her niece, Lin Xueya waved her over.

Lin Qing approached Lin Xueya, curiously asking, "Aunt, did that Mr. Qin come for another loan?"

"Yes."

Lin Xueya nodded, smiling, "This Mr. Qin is truly a young talent. Based on my guess, it seems Celestial Fortune Clothing is about to expand again."

She couldn't help but sigh, having guessed some of Qin Yun's intentions.

"Celestial Fortune Clothing, huh?" Lin Qing thought to herself.

Before, she had specifically asked her aunt, Lin Xueya, for some information about Qin Yun and found out he owned nearly ten fully-owned shops!

These shops are worth over thirty-five million!

To her, that was certainly a huge sum.

Moreover, the ownership of these over thirty-five million worth of shops was entirely Qin Yun's.

Unlike some rich second generations whose properties belong to their parents, even if Qin Yun is also a rich second generation, he fully owns these shops.

Lin Xueya also couldn't help but feel that, even if Qin Yun's money was loaned through her, it was still a considerable amount to her.

As a bank client manager, she approves countless amounts of money each month, but all that money belongs to the bank; they only have distribution rights, not usage rights.

Realistically speaking, Lin Xueya wasn't a wealthy person.

"What a pity, no chance to introduce you to Qin Yun." Lin Xueya regretted a bit.

She knew Lin Qing could keep her mouth shut, so she shared Qin Yun's information with her, trusting Lin Qing wouldn't spread it.

Hearing Lin Xueya's words, Lin Qing blushed a bit, displeased, and said, "Aunt, what are you talking about? I don't even know this Qin Yun."

"Alright, alright, I won't say more. I'm coming over to your place for dinner tonight, let your dad know." Lin Xueya laughed.

"Okay." Lin Qing nodded immediately.

...

With ten million in hand, Qin Yun immediately began acquiring new shops.

This time Celestial Fortune Clothing was no longer in Jinling, but in the neighboring Rongyang City.

Moreover, Qin Yun chose his locations wisely.

The three new Celestial Fortune Clothing stores were all near Cold Dew Clothing stores.

When Qin Yun talked about a duel, it wasn't just limited to Jinling!

He had the Wealth Gathering Array, so he was quite casual in choosing shop locations, as long as there was enough foot traffic, they would certainly make money.

Therefore, with Cold Dew Clothing identifying the spots, he didn't even have to look for them specifically.

"I wonder what expression Zuo Han will have when he sees my three new Celestial Fortune Clothing stores?" Qin Yun pondered secretly.

Looking at Zhao Tianqiang before him, Qin Yun asked, "Manager Zhao, what's the status of those nine shop landlords now?"

He now had twelve stores open, but hadn't recouped the rent for nine of them.

"President Qin, those landlords still refuse to return the rent, as it's currently in litigation. The outcome might take some time." Zhao Tianqiang said.

Regarding the rental refund issues with the landlords, it's legally challenging and could take several months to resolve.

Qin Yun paused to think for a moment and said, "It seems Celestial Fortune isn't enough to intimidate them."

Why were those landlords siding with Cold Dew? Because Cold Dew had been around for over twenty years, with a market value in the billions, and a simple Google search would reveal it. Confronting such a major company naturally induced fear in anyone.

As for Celestial Fortune, although Qin Yun was confident it could easily surpass Cold Dew in the future, his development time wasn't long enough yet.

So far, he had only been in business for over seven months, and Celestial Fortune was just a new store, seven months into operation.

Even if there were quite a few branches, in the eyes of others, it wasn't significant, and people hardly felt any apprehension.

Previously, when Celestial Fortune competed with Cold Dew, almost everyone thought Celestial Fortune was overestimating itself.

This is about heritage, which isn't easily overcome just by high profits.

On one hand, Qin Yun's foundation was strong, with all shops being completely purchased, and coupled with the Wealth Gathering Array, almost flawless.

But on the other hand, Qin Yun's foundation wasn't deep, because apart from the fully-owned shops and slightly higher profits, there was nothing else to make others wary.

A company like this was bound to face various obstacles on the path to growth.

Now, the first Cold Dew had appeared, and the second and third Cold Dews might follow soon.

These companies would employ all sorts of tactics, and Celestial Fortune's growth wouldn't be that smooth.

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