Before, when Mingyue Palace was uprooted by the black-clothed He Daoist, many similar organizations suffered the same fate.
Li Fan had speculated at that time that these organizations might not have emerged after seeing the flourishing trend of Mingyue Palace's crossing business. Instead, these organizations were likely already involved in lending-related businesses.
After seeing the huge profits generated by Mingyue Palace each year, they couldn't resist imitating it.
If there were such organizations in Dao Yuanzhou, there should naturally be similar organizations in Congyun Sea.
To get rich, one must leverage.
Li Fan planned to take advantage of the significant fluctuation in the price of Spirit Mist Grass to make a big profit, and for that, he needed the help of these lending organizations.
However, whether in the past or in this world, Li Fan, after inquiring from various sources, couldn't find any trace of them.
Apparently, this organization was very cautious in its actions.
So, Li Fan came to inquire with He Zhenghao.
As expected, He Zhenghao did not disappoint him.
"Before you go to Clear Wind Hall, you should think it over."
"They won't lend you contribution points for free. You need to pay an exorbitant interest of eighteen percent every year."
"If you make a profit, it's fine; you can quickly repay this interest. But if you incur losses..."
He Zhenghao's eyelids jumped, "I'm afraid you'll have to work for those guys for free for more than ten years."
Li Fan clasped his hands, "I understand your advice. But rest assured, I know what I'm doing."
"I won't bother you further; we'll talk again next time."
After that, Li Fan used a teleportation array to return to Wanxian Island.
He headed straight to Clear Wind Hall.
In a corner of the outermost area of Wanxian Island, he finally found it.
It was inconspicuous, indistinguishable from an ordinary small shop.
Li Fan activated a concealment talisman and walked in.
A rather sloppy-looking old man lay on a reclining chair behind the counter.
Even when a customer came in, he didn't open his eyes. He continued to sway the chair with his eyes closed.
Following He Zhenghao's instructions, Li Fan took out the green jade token.
"Ding, ding, ding."
The old man knocked on the counter three times.
The green jade token emitted a faint light, forming a door.
Li Fan looked around for a moment, then walked into the door.
His figure disappeared, and the green door shadow disappeared with it.
As for the old man, there was no change in his posture from start to finish.
It seemed as if no one had ever come to Clear Wind Hall.
The surroundings first plunged into darkness and then lit up again.
Li Fan looked around and found himself under a large tree.
The concealment effect of the talisman he had just activated was unexpectedly lifted instantly.
The tree was lush, and the leaves were like jade, emitting a sparkling luster.
On the trunk of the tree, a human face appeared.
It stared at Li Fan and asked, "Who introduced you, and what brings you here?"
Facing the tree face, Li Fan replied loudly, "Introduced by He Zhenghao from the town of Luli Island. I want to borrow something from Clear Wind Hall."
The reaction of the tree face seemed a bit sluggish.
After Li Fan finished speaking, it took a long time before it responded, "Cultivator in the late Foundation Establishment stage can borrow a maximum of thirty thousand contribution points."
"Annual interest is sixteen percent, and you can choose your repayment method."
"The maximum overdue time is not more than ten years."
The tree face slowly introduced the business of Clear Wind Hall to Li Fan, one sentence at a time.
After finishing, Li Fan said somewhat dissatisfied, "How can I borrow only thirty thousand contribution points in total? It's not enough at all."
"I'm a cultivator in the late Foundation Establishment stage at twenty-nine, with boundless prospects. Can't you give me some preferential treatment?"
The tree face tried to open its eyes wide and stared at Li Fan carefully.
After observing for a while, it said, "You can borrow a maximum of forty thousand contribution points."
Li Fan felt a bit impatient, "Just an additional ten thousand contribution points? That's too stingy!"
"When I was in Yuandaozhou, I was only in the middle Foundation Establishment stage. I could borrow seventy to eighty thousand contribution points from Mingyue Palace in one go!"
"Why is your Clear Wind Hall so far behind?"
"Brother Tree, can you make the decision? Otherwise, let's find someone who can and negotiate again?"
Li Fan said carelessly but subtly cast his gaze in a certain direction.
The branches above shook without any wind.
The tree leaves swayed lightly, making a rustling sound.
"Sure. If borrowing items, we won't calculate the interest, but based on the borrowed quantity," the tree face said gloomily, speaking in a muffled voice.
"Within the first year of repayment, the amount to be repaid is calculated at one hundred and thirty percent of the borrowed quantity."
"The second year, at one hundred and sixty percent."
"The third year, at two hundred percent."
"You can borrow for a maximum of three years."
Li Fan was shocked at the words, "So steep?"
But seeing the unfriendly expression on the tree face, he immediately chose to remain silent.
He started negotiating again, "If borrowing items, can you lend me a bit more?"
The tree face ignored Li Fan.
Seeing this, Li Fan could only regretfully give up.
"So, 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, not knowing what he was saying.
"Alright! I'll take it! What procedures do I need to go through?" Li Fan seemed to have made up his mind.
A green leaf floated down slowly from above, landing in front of Li Fan.
Holding it in his hand, a series of information instantly appeared in Li Fan's mind.
It was exactly the agreement he had just made with the tree face.
"If you agree, refine this green leaf with spiritual power."
Li Fan nodded, then used his spiritual power to envelop the green leaf.
The green leaf was instantly refined, and a faintly visible green leaf pattern appeared on the inside of Li Fan's left arm.
"After the debt is repaid, the tree contract will naturally disappear."
"Wait a moment, and I will send you the borrowed Spirit Mist Grass."
After saying this, the tree face disappeared from the tree, and Li Fan took the opportunity to lift his head and examine the large tree.
The strength of the tree face felt strange to him.
Clearly stronger than the Yuan Infant True Sovereign by a lot, but weaker than the Nascent Divinity Immortal Sovereign by quite a bit.
Moreover, the spatial surroundings showed no traces of formations, as if it were naturally formed.
Li Fan observed with great interest.
After a while, the tree face reappeared.
It opened its mouth and spat out a storage ring.
"All the Spirit Mist Grass is inside."
"The transaction is complete, you can leave."
"Remember to repay the debt on time, or..."
Before Li Fan could speak, the tree face expelled him from the space.
Under the big tree, strands of green light converged, forming a vague green figure.
"Borrowing so much Spirit Mist Grass? Interesting."
A crisp female voice came from within.
"Could it be that the price of Spirit Mist Grass will still fall?"
"Ah Liu, keep an eye on it recently."
The tree face responded in a muffled voice, "Yes, miss."
"Miss, that guy just now was really annoying."
The green figure let out a light laugh, "Indeed, quite annoying."
"But which sect is Mingyue Palace? Why have I never heard of it?"
(End of this chapter)