After dinner, the group drove to the Lake Valley Race Farm.

The operation of the Lake Valley Ranch has not been very good. Except for the valley area, other places are like the deserts of the Gobi Desert, with an area of ​​only 3,400 hectares of only 2.3 million US dollars.

If you buy the ranch, you have to take over the original workers in the ranch.

There are 7 workers in the Snow Mountain Ranch, 1 worker in the Roger Fork Ranch, and 3 workers in the Lake Valley Ranch. Creek Ranch, pure family ranch, one employee has no...

When you first arrive in the Montana Prairie and with the Juditha Snow Mountain as the background image, you may feel that the environment here is magnificent and the scenery is pleasant.

There are more than a dozen horses in the horse farm, both Quart and hybrid horses, and they are not expensive breeds.

Also and two young cowboys from the Lake Valley ranch are repairing the stables and laying clean new hay...

"Hi, boss, Mr. Bai, Mr. Zhang." Asol held a cigarette in his mouth, saw Chen Mo coming and throw it on the ground, and stepped on it.

"Pick a few docile horses for us." Chen Mo walked over and looked at the horses in the stable.

I saw it once before, all the horses in the stable were dirty, but now they are clean, but the horses are not beautiful.

Several of the hybrid horses looked even thinner.

The young cowboys in charge of the stables helped Chen Mo and the others choose a few, five exaggerated, and two hybrid pony.

The ponies are weak, so they can only ride Hill and Zhang Yan...

Hill can ride a horse, installs a saddle horse by himself, and rides it lightly on the horse's back...

Bai Xiaoou can ride a horse, but he can't get on a horse by himself. It took a lot of effort to get on the horse's back, and even Chen Mo was frightened... Asol knew that many of them could not ride a horse, so he followed him on a strong hybrid horse, walking along the way, explaining the posture of riding and things to pay attention to.

Everyone rode a docile horse, and there was a little accident in the middle, but no one was injured...

...

Everyone left after playing in the ranch for two days.

Chen Mo drove Hill to Billings Airport. Jenny and Demi were going to Los Angeles. Hill hugged them and was reluctant to let go.

Jennifer is here too, but her relationship with Bai Xiaoou is stable. Before she got married, she has already become a full-time housewife.

Although the temptation of big cities is great, Jennifer is still willing to seize the present.

Chen Mo and Hill have been together for a short time, and their relationship is not stable...

At night, Hill was lying in Chen Mo's arms and couldn't fall asleep.

"What's wrong?" Chen Mo said.

“There will be other tenants in the house in a few days.”

Chen Mo kissed Hill: "Move to the Snow Mountain Ranch and live with me."

"I don't like the countryside life, and it's inconvenient to do anything. When I was a child, Jennifer and I lived in the countryside of Rocky Mountain. There were four farms in a valley... We were neighbors, we met each other once and rode a bike for more than ten minutes. We didn't like the countryside, and our grades were not good. After graduating from high school, we came to the largest city in Montana... We were very happy to live here."

Chen Mo also lives in the countryside, in the mountains.

The countryside of Montana is completely different from the countryside of China. For example, the village in Chen Mo’s hometown should be considered a town in Montana... The village usually has no small shops, and the town of Judithgar has only one bar. It takes dozens of kilometers to drive to buy daily necessities.

Chen Mo just borrowed 8.5 million yuan and it is impossible for him to give up the ranch for Hill. The two of them have to be together, and as the current situation seems, one party must accommodate the other party.

In the end, Hill resigned and accompanied Chen Mo to the Snow Mountain Ranch for a happy time.

Chen Mo wanted to build his own ranch, and just acquired three ranches with a loan, allowing the snow-mounted ranch to expand to 9,250 hectares... Several ranchers who received the money chose to leave the town.

When Chen Mo acquired these three large ranches, other ranches came to inquire...

"This is the current situation of Snow Mountain Ranch. How much more can I borrow?"

Chen Mo reported to Wells Fargo about the current situation of the Snow Mountain Ranch and its future development plans. The bank manager frowned and looked at these documents carefully page by page...

In the area where the snow mountain pasture is located, if there are no snow mountain, the land is not worth the money.

Except for the fertile land of a few river valleys, the larger area is barren grassland, and no one wants the desolate Gobi...

Snow Mountain Ranch has now spent $16.5 million, and in itself, it is not worth so much money. What is valuable is... Snow Mountain Ranch can raise high-quality organic sheep.

Before Chen Mo came to take out a loan, an investigation team went to the Snow Mountain Ranch for a detailed assessment.

The Snow Mountain Ranch can produce high-quality mutton and should also produce good beef.

The sheep were purchased from other ranches, but they were very ordinary Dorpo sheep. Other ranches could not produce high-quality mutton, but the snow mountain ranches bought the sheep and kept it for several months... It must be the problem with the grain matching, which is valuable and is the core secret of the snow mountain ranches.

“30 million.”

Chen Ou was stunned for a moment.

"30 million, plus the previous loan of 8.5 million... we can even modify the loan interest, with an annual interest of only 5%. As the mortgaged items for the loan, we want the entire Snow Mountain Ranch as collateral, and... the grain feeding recipe for your ranch."

formula?

Chen Mo was stunned again and it took several seconds to react.

Wells Fargo must think Chen Mo has a recipe here.

For example, mutton that meets the first-level standard cannot be grown by feeding grain, but is a problem of variety. Just like wagyu...

Dupo sheep is known as diamond-grade mutton. However, not all ranches can raise diamond-grade mutton...

These must start with breeding and be cultivated step by step. Ranches that can produce high-quality meat usually have a long history and their own breeding system.

Obviously, Snow Mountain Ranch does not have such qualifications, and the most likely thing is to have a recipe.

"The recipe for grains and how to raise them are the core secrets of a top ranch and cannot be disclosed." Chen Mo shook his head. It is the credit for the space alfalfa grass that can raise good sheep, so he has no recipe.

"We only need the formula as collateral, and you don't need to take out the formula. A 5-year loan, if you don't pay the loan in 5 years, the formula you own must be handed over to us for auction... At the same time, within five years, the grain formula of Snow Mountain Ranch cannot be leaked. If the formula is found to be leaked, our bank has the right to reevaluate Snow Mountain Ranch and request to repay the debt in advance..."

"The loan can only be used for the expansion of Snow Mountain Ranch, and the improvement of ranch facilities...it cannot be used for other purposes."

"Before the loan is paid off, our bank will supervise the account funding status of the Xueshan Ranch to make it easier to understand the operation of the ranch and make further evaluations. This is beneficial to both of us, which is equivalent to the introduction of a third-party regulatory system by large companies to prevent corruption within the company and the abuse of funds."

‘Bank supervision company accounts’, the bank becomes the company’s account steward.

In the future, every fund that goes into and out of the ranch will be passed through Wells Fargo Lewiston Branch, including paying wages to workers, purchasing and construction funds for ranch, etc., and will be out of Wells Fargo. The income from the ranch will also be included in Wells Fargo...

The bank will record each detail in detail, and the tax declaration issues of the ranch will be held responsible for...

In this way, the work required by the ranch accounting department is much easier and easy to check. But this is a fee-based item, and you have to pay the bank every year... Besides, it is simple and straightforward, which is equivalent to the bank taking over the work of the accounting firm.

For the first four years, the loan of $38.5 million will be repaid with an interest of 1.925 million per year. In the fifth year, the principal plus the interest in the last year will be repaid with a total of 10,000 US dollars.

30 million, I will get it first, and whether I can repay the loan... The worst case will be to buy a piece of land in Alaska in a few years and "dig money", and the worst case will be bankrupt.

There are not many opportunities to expand the large ranch. After the loan, it took only more than a month to expand the snow-mounted ranch to 35,000 hectares... And Hill finally couldn't stand the boring life of Chen Mo and the remote ranch every day, so he left Chen Mo and went to Los Angeles.
Chapter completed!