In Jin City, especially in the banking sector, Qin Mu had already caused one bank to go bankrupt.

He absolutely dared not treat Qin Mu as an ordinary large-sum client. He would be courteous to an ordinary large-sum client, but not *this* reverent. But Qin Mu was different. This was someone who could casually have people sent to prison. If Qin Mu were to set his sights on him... he really might not be able to withstand it.

"Ahem," Qin Mu began, taking a deep breath before stating his purpose directly. "Yes, I’ve come this time primarily to apply for a loan."

"A loan? How much?" the bank president asked subconsciously.

"A loan of eighty million."

"Eighty million?"

He was taken aback for a moment but wasn’t overly shocked. After all, as a bank president, he had approved loans worth several hundred million before. Eighty million was a significant sum, but not enough to truly shock him.

He looked up and observed Qin Mu closely again. He saw that Qin Mu was serious, not joking.

After a moment of contemplation, he continued to inquire, "Well... Mr. Qin, may I ask for what purpose you require a loan of eighty million?"

Qin Mu shrugged. He didn’t hide anything, explaining that he was about to sue 13,000 people but lacked the funds to do so.

"What?!"

This time, he couldn’t remain seated; the teacup in his hand nearly fell to the floor.

Suing 13,000 people was far more frightening than a loan of eighty million! One had to understand, this meant 13,000 defendants! The last time he’d heard of a case with over 3,000 defendants, he had been shocked for the better part of half a year. And now, as if that wasn’t enough, Qin Mu was telling him he intended to sue more than 13,000 defendants!

"Mr. Q-Qin... Mr. Qin, are you sure you didn’t accidentally add an extra zero?" he stammered, swallowing hard.

If it were 1,300, that would be somewhat plausible. But 13,000... That was simply terrifying.

"I haven’t misspoken," Qin Mu affirmed with a nod. "The litigation fees will amount to 120 million. I currently have 40 million deposited in your bank, which means I’m short eighty million. I was wondering... would it be possible to secure a loan for that amount in my personal name?"

This was his primary concern at the moment. If even the bank wouldn’t grant him a loan, he would be forced to resort to his third option.

After a brief pause, he added, "If eighty million isn’t possible, forty million would be acceptable too."

After hearing this, the bank president lowered his head and remained silent, apparently deep in thought.

Three minutes later, he slowly raised his head. As if having made a momentous decision, he said seriously, "Actually, for this sum, you don’t necessarily have to take out a loan."

Qin Mu was startled and didn’t quite understand.

The bank president continued, explaining, "Although individuals can borrow from banks—with the bank assessing the loan based on the individual’s funds and their capacity to repay the interest—a loan of eighty million would require various conditions and be quite cumbersome to process."

"However, obtaining it through an investment method would be more straightforward."

Afterwards, he explained the proposed investment method to Qin Mu in detail. The bank would charge a certain rate of return on the investment, which was suitable for short-term arrangements. In contrast, a simple loan would involve the bank charging a fixed commercial interest rate.

For the bank, the former (investment) was naturally more profitable. For Qin Mu, however, the latter (a loan) would typically be more straightforward.

"Mr. Qin, you can rest assured. Once you win the case and recover the funds, we will only take a very small portion of the investment return," the bank president said with great sincerity, as if worried Qin Mu might be suspicious.

Qin Mu listened and nodded involuntarily.

This method was indeed the most suitable. By structuring it as an investment return, he wouldn’t have to bear any interest. Once he recovered the litigation fees, he could simply return the principal amount advanced by the bank.

But, looking at the bank president before him, he couldn’t help but ask, "Do you... truly believe I can win this case?"

The bank president, however, just gave a dry laugh. "Mr. Qin, you have quite the sense of humor."

Of course, he’ll win! Ever since that last bank case, I’ve been keeping a close eye on Qin Mu, well aware of all his track records. Only someone with a hole in their head wouldn’t believe in Qin Mu. All those opponents who faced Qin Mu in court... they either received increased sentences or got suspended sentences coupled with social death. In any case, none of them met a good end. Last time, with over 3,000 defendants, they were all collectively given suspended sentences; not a single one escaped.