Chapter 212: 215

Chapter 215 - Finance

"Hey, ojisan, I need to talk to you about something."

"What's up, kid?"

"I've got an idea for a new way to make money. I just wanted to ask you some questions."

"Oh, you've come up with some new product? Tell me more."

"Yeah, well, it's not really a new product. I'm thinking of becoming a moneylender."

"...... what?"

"I lend money to people who need money, but with interest."

"... Boy, no one likes moneylenders, you know? They're shady people."

"Yeah, I guess so, but what type of business isn't shady in a sense? Do you think people hate moneylenders that much?"

"I'm sure they do. Those guys claim that they lent the money and make you pay it back with a terrible interest rate. Of course, there are many people who can't pay. There are plenty of stories of people who have been stripped down to their bare asses."

"Well, it's a hard world. Isn't there some kind of upper limit to the interest rate?"

"There is an approximate market rate, but it's not set in stone, and all of them will lead to a snowball effect of debt. Well, that's not necessarily a bad thing. The lender has to be able to collect the money back with profits, too."

"Hmmm, that sounds like a bad financial debate. I'll leave it at that for now. It's not the common people that I'm thinking of as targets for moneylenders. It's the knights, old man."

"Knights? Lending money to knights?"

"Yes. I've heard that some knights who own their own land are in need of funding. That's the direction the business plan is going."

"Wait a minute, kid. You're not aiming to get the knights in debt so that you can take their territories as payment, right? Because if you are, that's a quick way to get into huge disputes."

"Nah, that's not the case. There is no need to set the interest rate high. If anything, we want to lend them money but also ensure that they make profits so that we can get the money back as well."

"...... I don't understand, what do you mean?"

"Ah, I don't know much about it, so I can't say for sure if this will work. Just listen to me."

　So I start talking to the old man.

　My new way of making money was to lend money and earn interest, the so-called moneylender.

　As Peter had told me, the targets were the knights who owned domains and who had no cash.

　To be more precise, those knights that want better farmland for better harvests, but cannot afford it in money.

　In Fontana, with its poor agricultural technology, Barca's [Leveling] and [Soil Improvement] are agricultural methods that create distinctly different yields than those from the past.

　Since last year, I've been dispatching people to lands where I've received requests for agricultural reform.

　And the effects were evident in the previous year as well.

　Just around Fort Einrad where Peter was staying, the harvest was so large that manual threshing could not keep up.

　Hearing this story, there were indeed knights who wanted to have the same farmland as Barca's in their own territory.

　However, it is a fact that it costs money to ask for it, and there are people who are worried about how to pay the cost for it.

　That's why I decided to target them as consumers for my new business.

　Here's how it works.

　First, I lend money to the knights.

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　Then, I would ask them to use the money to develop the farmland.

　The repayment of the borrowed money would be taken from the sale of the next year's wheat harvest.

　Unless there is a severe weather problem, those knights should be able to collect the money without any problem and pay us.

　In other words, we are lending money in anticipation of a future increase in crop yields.

　Normally, this would be a risky thing to do, but I think it's safe to say that the harvest itself will increase.

　Besides, there would be no need to set the interest rate high, since the future repayment method would be decided.

　If the interest rate is set relatively conscientiously, it will be easier for the knights to ask for loans and workers, as they won't have to borrow from other moneylenders.

　More to the point, this could also be a diplomatic tool for me against other knights.

　Barca is a force that has rapidly risen to prominence, but it has acquired its current position by force.

　In other words, we are powerful, but our credibility is quite low.

　It will be difficult to resolve this situation with anything less than the best of intentions.

　If that's the case, I'll use the power of money to my advantage.

　If we lend money to other knights and own their claims, at least we will be in a better position.

　That's right.

　In any case, it might be a good idea to try to make the plan a system of repayment over several years, rather than a plan of repayment in one year, so that we can be associated with each other for a long time.

　Actually, I have had this idea before.

　But since the finances of the Barca Knight's Domain itself had always been a red light, we couldn't lend money to others.

　However, last year's battle with the Uruk and Arbalest families brought about a change in our finances.

　I demanded money from Carlos as a reward for my success at that time, and Carlos gave me a considerable amount of it as a reward.

　In fact, Carlos is also quite rich.

　Nowadays, all the roads that I have built in Fontana are connected to Fontana City.

　To get to Barca, which is my territory, you have to go through that city.

　As a result, Fontana City, as the economic center of Fontana's territory, is enjoying an unprecedented economic boom.

　And it will probably continue to do so this year and beyond.

　After all, all the knights of the various knightly domains have recently moved their families to the city.

　The reward from the rich Carlos is still firmly existing even after the payment to the church.

　The money is still being spent on the research of the Familiars, but other than that, Barca has more new products and our finances are stable.

　Now is the best time to lend money.

　And so, after much discussion with the old man and others, I decided to start Barca Finance.

CadmarLegend

Is it just me, or are you readers also thinking that Ars'll create a bank in the future? Ahahaha~ And that's the make up chapter from yesterday!

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