I Was Reincarnated as a Poor Farmer in a Different World, so I Decided to Make Bricks to Build a Castle - Chapter 218

"Old man, I need to talk to you for a second."

"Nh, what's wrong, kid?

"I've been thinking about a new way to make money, but I need to ask you a lot of questions."

"Oh, have you come up with something new yet? Wait a minute, tell me more, kid."

"Oh, it's not even a new product. I thought I'd lend you money."

"... what?

"Lend me the money. Give interest to those who need it."

"... kid, do you hate lending money? You know what I mean?

"Well, that's true, but it's not like she's gone, is it? Do you hate money lenders that much?

"That would be true. They insist on lending money and paying it back at terrible interest rates. Of course, there are a lot of people who can't afford it. There are a lot of stories about the guy who got stripped of his body and his ass hair."

"Let me tell you something, it's so familiar. You don't have an interest rate cap?

"There is an approximate price, but it is not exactly decided. However, all this will cause the debt to swell up in a snowman fashion. Well, that's not so bad. I have to be able to collect it."

"Hmm, that sounds like bad finance. Well, let's just leave it there for now. It's not the ordinary people I'm targeting for money. Knights, old man."

"Knight? You lend money to a knight?

"That's right. I heard when I was talking to Lord Peeta, but it seems that some knights with knights are unexpectedly struggling with cash flow. Aim there."

"Wait a minute, kid. Aiming for a knight with a knight's collar doesn't mean he's lending money to wind up the land. That really leads to trouble, doesn't it?

"Hmm, that may be the case, but it's a little different. There is no need to set a higher interest rate. I'd like to lend you some money to make sure you get it back."

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

"Well, I'm not sure if this is going to work because I'm not familiar with it either. Listen to me."

That's how I start talking to my old man.

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

The target is, as Peeta told me, knights with territory who don't seem to have any cash.

To be more specific, I will target some of the knights in the realm who are willing to undergo my farm development.

In Fontana, where there is only poor agricultural technology, my "leveling" and "soil improvement" are agricultural methods that distinguish the harvest from the previous harvest.

I dispatched people to the land that I had been asked for since last year for the agrarian reform.

And the effect appeared firmly in the previous year.

Even around Fort Eindrad, where Peeta is located, the harvest is so high that manual degraining cannot keep up.

There are indeed knights who want to hear the story and develop Balkan farmland in their own territory.

But it is also true that there are people who are concerned about the way in which money is paid to do so.

That's why I targeted them.

Here's how it works.

Once I lend money to the knight.

And use the money to hire a farm development job.

The repayment of the borrowed money shall be taken from the sales amount of wheat harvested the following year.

We should be able to collect the money without any problems with the weather.

This means lending money in anticipation of future yield increases.

Normally, it may be dangerous, but I'm sure the harvest itself will increase.

And by deciding how to repay it in the future, you won't have to make it that comfortable.

A relatively conscientious interest rate would make it easier to get a job just because you can't borrow from other lenders.

Besides, it could be a diplomatic tool for me against other knights.

Barca is an emerging force that has suddenly emerged and has taken up its current position with a lot of effort.

Speaking of which, it's powerful, but it's pretty low on credibility.

It will be difficult to solve the situation.

If so, I will use the power of money quickly.

If you lend money to other knights and own the debt, at least this one would be in a better position.

Yeah, that's right.

In any case, rather than a plan to repay in one year, it might be a good idea to try to have a longer-term relationship based on a system of repayment over several years.

Actually, I've had this idea before.

But the Vulcan Knight's finances themselves were left with red flags, so they couldn't lend money.

However, last year's battle with the Ulk Arbarest family led to a change in Balkan finances.

I demanded money from Carlos for my work back then, and Carlos gave me a lot of money as an award.

In fact, Carlos is also quite rich.

Now everything in the road network that we've built so that we can cover Fontana territory is connected to Fontana's city.

You will pass through the city of Fontana to go to Barca, my territory.

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

And perhaps it will continue beyond this year.

After all, recently, all the knights in each knight's realm moved to Fontana as a family.

The reward from such a rich Carlos remains strong even after he has paid the church.

As always, the research of service beasts is expensive, but other new products have increased in Balkans and their finances are stable.

Now is the best time to lend money.

In this way, I decided to consult with the old man and start Balka Finance.