Before, when the Mingyue Palace was uprooted by the black clothes and the road, it also brought many other similar organizations.

Li Fan guessed at the time that these organizations may not have followed suit after seeing the Mingyue Palace's great cause of crossing the law in full swing.

Rather, these organizations are already engaged in lending-related businesses.

After seeing the huge profits that Mingyue Palace generates every year, I couldn't help imitating it.

Daoyuanzhou has it, and Cong Yunhai should have a similar organization.

If you want to get rich, how can you do without leverage.

Li Fan intends to take advantage of the huge fluctuations in the price of Lingmist Grass to make a fortune.

Naturally, the help of these lending organizations is needed.

But either before or in this world.

After inquiring in many ways, Li Fan could not find any trace of him.

Apparently this group is very careful.

So, Li Fan came to He Zhenghao to inquire.

Sure enough, He Zhenghao did not disappoint him.

"Before you go to Qingfengtang, you'd better think about it."

"There won't be a loan to you for nothing. You need to pay a high interest rate of 18% every year."

"If you make a profit, it's fine. This interest can be paid off quickly. If you lose..."

He Zhenghao's eyelids jumped: "I'm afraid I have to work for those guys for more than ten years for free."

Li Fan cupped his hands: "Daoist asked, I wrote it down. But don't worry, I have a plan."

"Don't bother, we'll talk about it next time."

After all, Li Fan returned to Wanxian Island through the teleportation array.

Go straight to Qingfengtang.

In the corner of the outermost area of Wanxian Island, I finally found it.

It is inconspicuous, and there is no difference between it and ordinary small shops.

Li Fan inspired a Tibetan talisman and walked in.

An old man who looked rather sloppy, slept on a reclining chair behind the commercial cabinet.

When a guest came in, he didn't even open his eyes.

Still shaking his chair with his eyes closed.

Li Fan took out the dark green jade card according to He Zhenghao's instructions.

"Beep beep."

The old man knocked three times on the cabinet.

The dark green jade card emits a faint light, forming a door.

Li Fan looked left and right for a moment, then walked into the door.

The figure disappeared, and the green door shadow also disappeared.

As for the old man, there was no change in his posture from beginning to end.

It seems that no one has been to this Qingfengtang at all.

The surroundings fell into darkness at first, and then lit up again.

Li Fan looked around and found himself under a big tree.

And the effect of the hidden talisman that was just activated was instantly lifted.

The branches are lush and the leaves are like jasper, giving off a lustrous luster.

On the tree, a human face appeared.

It stared at Li Fan and asked aloud: "Who introduced it, what is it here?"

Li Fan faced the tree face, and said loudly: "Liu Li Island guard He Zhenghao introduced him. I want to borrow something from you Qingfengtang."

The treeface's response seemed a little sluggish.

After Li Fan finished speaking, it took a long time for it to reply: "The cultivator in the late stage of foundation establishment, the upper limit can be borrowed 30,000 contribution points."

"A year's interest of 16%, you can choose the way of repayment."

"The most delinquent time, not more than ten years."

The tree face slowly introduced the business of Qingfengtang to Li Fan.

After finishing speaking, Li Fan said with some dissatisfaction: "How can I borrow a total of 30,000 contribution points? It's not enough."

"I'm a twenty-nine-year-old late stage foundation-building fellow with a bright future. Can you give me more preferential treatment?"

The tree face tried to widen its eyes and stared at Li Fan carefully.

After observing for a while, he said, "You can borrow up to 40,000 contribution points."

Li Fan was a little impatient: "Just added 10,000 contribution points? This is too stingy!"

"When I was in Yuandaozhou, I was still in the middle stage of foundation building. With Mingyue Palace, I can borrow seventy or eighty thousand contribution degrees at once!"

"Why are you so different from Qingfengtang!"

"Brother Shu, are you in charge? Otherwise, let's talk about someone else who can be in charge?"

Li Fan said carelessly, but calmly glanced in a certain direction.

The branches above the head are automatic without wind, and the green leaves sway gently, making a rustling sound.

The tree stared at Li Fan expressionlessly.

Li Fan was also unafraid, staring at the tree face.

After a long time, the tree face said slowly: "Fifty thousand, no more."

Li Fan looked very regretful, and then said: "Oh right. What I want to borrow is not the contribution degree, but the spirit mist grass. Can you borrow it?" He blinked, staring at the face of the tree.

The invisible wind seems to be even bigger.

The branches and leaves shook more and more violently.

"Yes. If you borrow something, it is not calculated according to the interest, but according to the amount borrowed."

"Return it within the first year, and the amount to be repaid is calculated at 130% of the loan."

"For the second year, one hundred and six percent."

"In the third year, it will be 200 percent."

"You can only borrow for three years at most."

Li Fan turned pale when he heard the words: "It's so dark?"

But looking at the unpleasant tree face, he immediately chose to shut up.

He started bargaining again: "If you borrow something, can you lend me more?"

The tree face ignored Li Fan.

Seeing this, Li Fan had no choice but to give up.

"Then how many Spirit Mist Grass can I borrow now?" he asked.

"Two thousand seven hundred plants." The tree face said in a muffled voice.

Li Fan muttered a few words, but he didn't know what he was talking about.

"Okay! I'll borrow it! What procedures should I go through?" Li Fan seemed to have made up his mind.

A green leaf slowly floated down from the top of his head and landed in front of Li Fan.

Holding it in his hand, information suddenly appeared in Li Fan's mind.

It was exactly what Li Fan had agreed with Shumian just now.

"If you agree, you can refine this green leaf with spiritual power."

Li Fan nodded, and then wrapped the green leaves with spiritual power.

The green leaves were instantly refined, and an invisible green leaf pattern appeared on the inside of Li Fan's left arm.

"After the debt is paid off, the tree deed will disappear."

"Wait a moment, I will send the Spirit Mist Grass you borrowed."

After the tree face finished speaking, it disappeared from the tree and did not know where it went.

Taking this opportunity, Li Fan raised his head and looked at the big tree.

The strength of the tree face gave him a strange feeling.

Obviously much stronger than True Monarch Yuanying, but much weaker than Immortal Monarch Huashen.

Moreover, there is no trace of the formation in this space, it seems to be naturally generated.

Li Fan watched with interest.

After a while, the tree face reappeared.

It opened its mouth and spat out a storage ring.

"The spirit mist grass is all inside."

"The deal is done, you can go."

"Remember to repay the debt on time, otherwise..."

Before Li Fan could speak, the tree face expelled him from this space.

Under the big tree, the green light gathered together to form a vague green figure.

"Borrowing so much Spirit Mist Grass? Interesting."

A crisp female voice came from it.

"Is it possible that the price of Spirit Mist Grass will fall?"

"A Liu, keep an eye on it recently."

The tree face replied in a muffled voice: "Okay, miss."

"Miss, that guy was really annoying just now."

The green figure let out a chuckle: "It's quite annoying."

"However, which company is Mingyue Palace? Why have I never heard of it?"