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vixey-chakraborty · 3 years ago

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The Investment [Part Two] & [Ratfox]

In which, after a meeting at InterPride, and after some encouragement from Tiana, Vixey reaches out to another investor...[takes place: late June, 2021]

@professorofcrimeratigan

[tw -- some scheming on ratigan’s part]

VIXEY: It had been her contact at InterPride that pointed her in the direction of Pedram Ratigan. She had never heard of him before, which was both worse and better. At least with Seamus, there had been some familiarity there. He knew her parents, and she supposed that had helped him agree--when he had been a bit skeptical. (Which, honestly, fair, in her opinion.) However, that familiarity also meant there was more pressure, because if he said no, it would not have reflected poorly just on Vixey, but on her parents as well. And that wasn’t acceptable.

Mr. Ratigan didn’t know her at all. They were a blank slate to one another. It meant she had much more to prove, but there were also fewer expectations. Due to this, she had chosen Tiana’s place and a proper dinner reservation to wine and dine the man.

He was led to her table by the redheaded hostess, whom Vixey thanked as she stood and offered her hand to the man.

“Mr. Ratigan, I presume? I’m Vixey Chakraborty. It’s nice to meet you. Thank you so much for agreeing to meet with me. I know you’re a busy man.” [outfit]

RATIGAN: An invitation to dinner had been extended to him.

This would not have been such a surprise had it been from someone he actually spent time with, such as a co-worker or Mrs. Robinson, but for it to come from a complete stranger had been a bit of a red flag. Always erring on the side of caution (paranoia) he looked her up. He would have done it regardless, but still. In his line of work one could never be too careful. Her last name had seemed familiar but it wasn’t until he had gotten the results back that he understood where from— her family owned a farm nearby.

Why someone like her would want to entertain someone like him was a bit of a mystery but that worked in Ms. (or did she still go by Mrs.?) Chakraborty’s favor. It made him more willing to go, just to see what would happen.

He smiled to the hostess and kept it as he took the woman’s hand. Polite. Formal— thankfully not here for any social reason. Business then.

Ratigan waved his other hand, eyebrows furrowing slightly. “Even academics need to get out and see the sun every now and again. I should be thanking you for the excuse to.” He gestured to her seat, unbuttoning his suit’s jacket before he took his own. “So, what can I do for you, Ms. Chakraborty?”

VIXEY: Vixey’s heart was beating very fast as she shook Mr. Ratigan’s hand. She had never done something like this before and she found it extremely intimidating. Googling “how to ask someone for an investment” didn’t really yield the results she’d wanted. She had spoken with Jun a bit, and obviously had convinced Seamus, but Mr. Ratigan was a proper businessman. Not a family friend she was basically asking a very large favor of.

When he gestured, Vixey took her seat again, glad he’d indicated for it--otherwise, she probably would’ve remained awkwardly standing for a few seconds too long. Her leg started bouncing under the table. She hoped he wouldn’t notice...or, she would, if she had even noticed she was doing it.

“Right, well, I believe I mentioned in my email that I was looking for support for my business venture.” Vixey didn’t believe this, she knew it. She had stared at the email several times, had Jun read over it, had her parents read over it, had Tiana and Barbie read over it.

“I am looking to--open a thrift shoppe on Main Street.” She said it all in one big breath and then smiled, nervous and sheepish, but also--a bit exhilarated.

RATIGAN: Well. That was rather a let down— but what had he expected? A part of him settled back now that he knew this was just a small, mundane matter.

Tiana’s Place had been a good investment. The woman had done everything in her power to ensure its success, as he knew she would, and he hadn’t needed to do anything but keep her books. All the while he had his own business running within it and should anyone (though he very much doubted anyone would) find the threads of it they would be led back to Ms. Truitt.

It had been nice having something so close to home. Sometimes running a network from the telephone could get exhausting, especially when working with some of the dimmest people the criminal world had to offer.

If he could do that again, he figured, why not? Ms. Chakroborty did not seem to have the spine Ms. Truitt possessed, which made this all the more enticing.

“That’s a smart venture. Ever since the last clothing shoppe closed I am sure everyone has been waiting for someone to save them from having to travel elsewhere.” He smiled. “How can I be of help to you?”

VIXEY: Vixey let out a little breath when he didn’t immediately get up and walk away. She had been half expecting it. She had no idea how to negotiate a business deal. This wasn’t what she’d gone to school for. It wasn’t something she had ever thought she would need skills in. Maybe it was easier than she thought it was going to be…

“I’m glad you think so,” Vixey gushed, meaning it truly. If he had thought the shoppe a bad idea and ended things right there well...months of Vixey’s work would have gone to waste. That was the last thing she wanted now that she had come this far. Vixey had already, possibly, wasted months of her life getting a degree in nursing, just to turn her back on that profession the moment her life got hard. If this fell through too, she would feel truly lost.

She didn’t know how upfront she should be. Asking for money felt like such an intimate conversation.

“Well, I was--pointed in your direction by a few contacts of mine.” There, that felt professional. Even if those contacts had just been Tiana and Simba. “They told me that you--are interested in investing in small businesses around Swynlake.” That wasn’t asking for money, she supposed. At least, not outright.

“I, uh, I have all my business plans and such here.” She pushed the bulky folder towards him. “With budgets and design ideas, marketing plans...that sort of thing.”

RATIGAN: Despite her avoiding the word completely he knew what this was leading up to. (It was all anything ever led up to these days, wasn’t it?) Ratigan admired her wish to skirt around the question, seemingly waiting for the right moment or signs from him saying that she could go ahead and ask for the money she was looking for.

He leaned forward to retrieve the folder, holding the spine of it against an open hand while the other was allowed to flip through its pages. This he could admire, most people would have told him they sent him something on his email he could open or present him with their laptop to scroll through, but a physical copy held weight— showed effort.

Of course he did not actually care about this clothing store and whether or not it would benefit him. Either way he would walk out of this unscathed, even if it did fail, both monetarily and in reputation.

He was more interested to know who she was and if he would be able slip things under her nose without notice, just as he had Ms. Truitt.

“Well done. It seems you have a clear vision and goal in mind.” He glanced up, but returned to the pages in front of as he asked again, “Clearly you’re in no need of advice so, what is it I can do for you?”

VIXEY: Was that clear?

It didn’t feel clear to Vixey. In fact, she needed all the advice and help she could get. She still felt horrifically out of her element. Vixey hadn’t ever wanted to open a business. She had gone to school to be a nurse and get bossed around by other people! She didn’t know how to be a boss and run a business. The idea was incredibly daunting.

There were so many questions she wanted to ask: how do you hire people? How do you fire them? How do you budget how much they should be paid? How do you get stock for something like a thrift store? What kind of insurance was best? Of course, these were all things she could read online or in books and she had but—

Asking a genuine businessman was preferable and she couldn’t bother Jun for all of it. She’d feel horrible, using him like that when he’d already helped her so much.

But, as much as Vixey wanted to open her mouth and let all these anxieties pour out of her, she knew she couldn’t. Ratigan was not the person to ask. She needed to project confidence. Poise. He wouldn’t want to invest if he didn’t think she believed she could do it. Vixey wouldn’t blame him.

So, instead, she just smiled and fiddled with her fork.

“Thank you, that’s very kind of you to say. Uhm, I am currently shopping around for investors.” Asking for money was not natural for anyone and certainly not Vixey. She had worked hard, her whole life, but it was her father who reminded her that he had started out that exact way. Moving to a brand new country and starting a farm. He had relied on investors and community members to help him through those first years. And then he had even given her the first loan—it was a modest thousand dollars, but Vixey was already anxious to pay him back.

“If you—flip to the budgeting tab, you’ll see I’ve worked out my first year of finances. I’ve already got enough to pay for most the rent from another investor. But, obviously, there is still a deficit in the budget.”

About 20,000 pounds, but saying that out loud was intimidating.

RATIGAN: No, it wasn’t, but if he was going to get this show on the road before the restaurant called closing time then he figured it best to attempt boosting her confidence level. If she thought he thought she was competent then it may be enough to get her say what she meant.

Other investors. Ratigan wished he could roll his eyes. Honestly, he should have prepared for that given this woman’s financial situation and seeming polite sensibilities. She wouldn’t want to up and ask a stranger for all of what she was looking for. It seemed to be like pulling teeth even now since she wouldn’t just come out and say exactly what she needed from him.

Multiple people being involved would be rather annoying. More eyes on the books meant less of a chance he would be able to do much of anything. Especially if they were all going in evenly and no one had more say over the other— except if she knew them personally, then she would value their opinion above all else since this was a small town and relationships always seemed to win out in the end. Unless it was the right person at the helm and a nudge in the right direction could persuade them to listen to reason rather than their social obligations.

“I see.” He wished he could shut the book, tell her he wasn’t interested, and not have to deal with the, no doubt, ridiculous people she’d already gotten involved. Unfortunately, she was friends with Ms. Truitt and, not wanting to jeopardize what he did have, Ratigan knew he would have to hear her out. “And may I ask why you think I’d be a good fit for you?”

VIXEY: The truthful answer to Mr. Ratigan’s question was simple: because he had the money.

Obviously, Vixey couldn’t say that. She felt a bit bad even thinking it. It was true, however. She didn’t know Mr. Ratigan, he had no personal reason to invest. They both knew this. It made Vixey feel horribly uncomfortable. Doubting herself once again. She wasn’t as bold as Tiana nor as level-headed as Jun. Maybe she wasn’t cut out to be a business owner after all. But, she had already sunk so much time into this.

She had a plan.

So, after a brief pause—thankfully there was food she could shove her face with in the meantime (made sense to her now why so many people did business over dinner)—she swallowed and cleared her throat.

“You have a lot of experience with business. Tiana told me about some of your other ventures. And while I have done a lot of reading and learning, I know that there is still much more I could learn. I found you appealing because of that. And you’ve already invested in Swynlake, so I thought you might be open to it and that it was worth a try.” She tried for a winning, confident smile.

RATIGAN: Usually Ratigan was a big fan of games like this. Someone coming to him in need and not wanting to say it out right for one reason or another. It would amuse him to no end watching the other person squirm or bristle until eventually something gave and they finally admitted defeat. Here it was all just so— boring. They were discussing something of no consequence. (To him, anyway, which was all he cared about.)

But, again, what had he really expected?

He went through the motions, making sure his microexpressions were accurate to what she was saying to him. Sheepish flattery at the compliments, nodding as she shared her thought process, and rubbing a hand at his cheek as he pretended to think it over. He already had. There was no harm to him whether he gave her the money or not. If she failed then it was what it was, he lost nothing. If she succeeded then very well, he would have helped another person in this town gain a business. Either way his reputation remained. It was only if he didn’t invest that he may stand to lose something.

“Are you simply seeking a loan from me? Or am I to have some sort of stake in this venture as well?”

VIXEY: “Oh, well--” Vixey was rather taken aback by how blunt Mr. Ratigan was being, but perhaps this was how it worked in business. Vixey surely wouldn’t know. It made sense, she supposed, that someone who was sinking money into something wanted to make sure that it survived to see a return investment. Vixey wouldn’t blame them. It was a very practical thing to do.

She smiled, a bit uncomfortably, though she managed to swallow it down and smile brighter.

“My original plan was just for the investment, but I would be happy to hear if you wanted to be more firmly involved. I’ll admit that all of this is rather new to me, so I would, at the very least, appreciate any advice. I’m sure you--when--if you’d like to invest--want to make sure it succeeds as well. I’d be all ears. Truly. And very grateful.”

RATIGAN: He chuckled, sitting forward now. “Well, in that case, my first piece of advice for you is to not admit to such naivety. When dealing with money people tend to become less than sensitive to the well-fare of others and more inclined to focus on themselves. Even if you’re working with friends and family— perhaps more so since they think those are the people that will be more willing to forgive them for their actions.”

After all, where would he be if not for the sins of man?

“If it’s advice you seek then I will give you the same deal I offered to Ms. Truitt. Where she wanted to learn how to keep her books, I could help teach you how to run a business. Whether that be marketing, management, accounting, or financing. You’re asking for—” Ratigan glanced down to the binder. “10,000? If you give me 10% ownership then I can provide that, my personal experience, and should anything else come up, and it will as that is the way of life, then you can always come back to me for whatever else it is that you need.”

VIXEY: Oh, that--well, that actually sounded really good.

It took some of the pressure off Vixey, as there would be someone who actually knew what they were doing at the helm. And the way he spoke, it was obvious that he had a lot of experience. Something which she sorely lacked.

However, Vixey wasn’t one to make any split second decisions. This was something she would have to talk over with her father. And probably Jun. And also Tiana. She needed to collect all the evidence and organize it, then make a decision when she was ready. 10% ownership was a big deal, even if it sounded relatively small. They would have to set up guidelines for how much say he would have and what that would look like moving forward.

Her brain started whirring as she considered all of these options.

“Thank you, Mr. Ratigan. That is extremely generous. Much more than I would have hoped for.” It was, also, she realized, very business savvy, because it meant he would get a say in his investment. A higher guarantee of a bit of profit, or, at the very least, breaking even.

“I will have to consider it, but why don’t you send over a contract for me to read? If your firm has one on hand, otherwise, we could design one together, though that might take a bit longer. I can--get my answer to you in a few weeks? I am hoping to have my petition submitted to the board by the end of July and the shoppe opened by September at the latest, so it would certainly be before that.”

RATIGAN: Good, he had been anticipating that answer. As naive as this woman was she did have some sort of sense about her. He would have been more concerned had she simply jumped at the offer and agreed to it straight away if only because he did not want to deal with someone so ridiculous. They could be entertaining, like how the court kept a jester, but those sorts of people were not to be kept around and given a direct line of contact. So long as she remained competent this whole ordeal would be tolerable.

“That’s alright. I can have one drawn up and sent to you in no less than two days' time. I’ll use the email you’ve contacted me with in case they need any additional information.” It would take less time for him since the law firm worked for him (under a different identity), but in the interest of appearing relatively normal he would give it a few days. Just enough to let it breathe but not too long to allow the deal to be lost in the weeds of the rest of her planning.

“And please, take your time. If there is anything I have learned in my days it’s that it is better to be sure of yourself and your decisions than rush into something and be left with regret.” Ratigan smiled, closing the binder and handing it back over to her. “If there is anything else I can do for you in the meantime, please, don’t hesitate to ask. Now or in the future.”

VIXEY: This all sounded good to Vixey. Almost too good. But, that was Swynlake for you. Close knit communities allowed for a kind of opportunity Vixey had not seen before. As a girl, she had wanted the opportunities of the whole wide world! All the things that it had to offer. Now, though, she appreciated the opportunity of connections, more than she ever thought she would.

It was nice to feel as if she had a place to land softly, where her grief could be a gentle thing she carried with her. And that she did not have to explain herself. Everyone understood, because they knew her and her family and had heard, one way or another. She had thought that kind of gossip would bother her. It had at the hospital. Somehow, it was easier here. Vixey didn’t feel…judged or pitied. And she had made friends easily, sliding back into routines she had once hated for their simplicity and now cherished for the very same reason.

“Thank you so much. Your offer really means a lot. I will definitely keep that in mind.” And probably write up a list of questions, fret about sending it, then send it anyway.

“For now, let’s just leave it at that. I don’t want to take up any more of your time.”

#bdrpratigan #ratfox #the investment #part two #lookbook

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