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

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"Mister, I need to talk to you about something."

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"What's up, kid?"

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"I've been thinking of new ways to make money, and I wanted to ask you a few questions."

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"Oh, you came up with some new product again?　Wait a minute, tell me more, kid.

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"Yeah, well, it's not exactly a new product. I'm thinking of doing moneylending."

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"...... what?"

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We lend money. To people who need money, with interest."

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"...... boy, they don't like moneylenders, do they?　Do you understand that?"

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"Well, yes, but that doesn't mean there aren't any, does it?　Do the moneylenders have that much of a grudge against you?"

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"That's true. They claim they loaned you money and make you pay it back with a horrible interest rate. Of course, many of them can't pay. There are plenty of stories of people who have been stripped of their clothes and their asses.

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"It's a hard world, isn't it? Isn't there some kind of maximum interest rate?

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"There is an approximate market price, but it is not fixed exactly. But all of them will cause the debt to snowball. Well, that's not necessarily a bad thing. The lender has to be able to collect."

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"Hmmm, that sounds like a bad financial statement. Well, let's put that aside for now. It's not the common people I'm thinking of as targets for moneylenders. It's knights, old man.

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"Knights?　You lend money to knights?"

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Yes. When I was talking with Mister Peacha, he told me that some of the knights with knightly domains are having financial difficulties. That's where we're going to go."

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"Wait a minute, kid. You're not going after the knights who own the knight's territory by lending them money and taking their land, are you? That would really lead to trouble, wouldn't it?

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"Well, that may be a possibility, but it's not quite right. There is no need to set the interest rate high. I'm more interested in lending money so that I can be sure of collecting it."

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

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"Well, I don't know much about it, so I don't know for sure if this will work or not. Just hear me out."

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　Then I start talking to the old man.

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　My new way of making money was to lend money and earn interest as a moneylender.

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　As Picha had told me, the target was the knights of the fiefdoms, who were apparently short of cash.

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　To be more precise, the target of the moneylenders would be the knights who were willing to accept my farmland development project.

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　In Fontana, where agricultural technology is poor, my "land preparation" and "soil improvement" will be an agricultural method that is different from the previous yield.

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　Since last year, I have been sending people to the land that I have been asked to improve.

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　And the effects of these reforms had been clearly seen in the previous year.

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　The harvest around Fort Einrad, where Picha is located, was so large that manual threshing could not keep up with it.

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　Hearing this story, there are indeed some knights who want to develop farmland in Barca as well as in their own territory.

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　However, it is also true that it costs money to ask for it, and there are people who are worried about how to pay the cash for it.

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　That is why we have set our sights on them.

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　Here's how it works.

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　Once I lend money to the knight.

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　And then, I will ask them to work on the development of farmland with the money.

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　The repayment of the loan would be taken from the next year's wheat harvest.

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　As long as the weather is not too bad, I should be able to collect the money without any problem.

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　In other words, you are lending money on the assumption that the future yield will increase.

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　It may be a risky act under normal circumstances, but I am sure that the yield itself will increase.

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　Besides, there is no need to make the interest rate so aggressive by setting the method of repayment in the future.

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　If the interest rate is set relatively reasonable, it will be easier for them to hire you to do their work because they will not have to borrow money from other moneylenders.

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　More to the point, this could be a means of diplomacy for me against other knights.

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　Barka is an emerging power that has suddenly emerged and has achieved its current position by force.

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　In other words, they are powerful, but their credibility is rather low.

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　It will be difficult to resolve this situation by half measures.

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　So, I will try to use the power of money as quickly as possible.

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　If we lend money to other knights and own their credits, we are at least in a better position.

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　I agree.

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　We could try to make it a long term relationship by making the loan repayable over several years instead of a plan to repay it in a year.

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　Actually, we have had this idea before.

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　But since the finances of the Barka Knight Territory itself have been a red light, we have not been able to lend money.

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　However, last year's battle with the Uruk and Arbalest families had brought about a change in the finances of Barca.

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　I asked Carlos for money as a reward for my success, and he gave me a considerable amount of money as a reward.

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　In fact, Carlos is also a very rich man.

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　Now all of the road network that we have built around the territory of Fontana leads to the city of Fontana.

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　Even to get to Barca, which is my territory, you have to go through the city of Fontana.

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

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　And it will probably continue to do so this year and beyond.

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　After all, recently all the knights of the various knightly territories have moved with their families to the city of Fontana.

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　The reward from such a rich man, Carlos, remains firm even after the payment to the church is completed.

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　The research of the beast is still costing money, but other than that, Barca's finances are stable with the increase of new products.

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　Now is the best time to lend money.

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　Thus, after much discussion with the old man and others, I decided to start Barka Finance.

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