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Now reading: Chapter 271 272: Loans Piling Up One After Another from Hogwarts Loan Magic System!!!!, a Action novel by readinilham20.

Read my new story (ilham20)

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In the private alchemy lab Beauxbatons had set up for the competitors, the air shimred with that faint glow left behind by flowing magic.

All the precision tools had gone quiet, and right in the middle of the workbench sat a sleek notebook with a cover that shifted between dark silver and mysterious blue hues, giving off a soft pulse.

Lucien stood at the bench, his wand tracing out the final few smooth arcs with steady precision.

Pure magic turned into visible threads of silver light, spilling from the wand tip and seeping gently yet accurately into the dizzyingly complex magical etchings along the notebook's edges.

The patterns lit up one by one, like veins coming to life, finally converging at the center of the cover into a stable, harmonious rune array. It flashed once, then faded away, leaving behind a surface with an impressive, deep sheen.

"Almost done," Lucien muttered to himself.

He ant both the final free alchemy phase wrapping up—once the competitors turned in their projects and the rankings got scored, this whole Beauxbatons trip would be a wrap—and the repaynt on the Erald Tablet fragnts loan, which was nearing the finish line too.

Looking back, the actual challenge of this year-long loan wasn't all that tough for where Lucien was at now.

The task was to sell a set amount and value of potions and alchemical gadgets.

And the boosts from the Erald Tablet fragnts—Potions Mastery at S , Alchemy at SS —had pushed him into extraordinary territory.

More importantly, Nicolas Flal's no-holds-barred teaching had sped up Lucien's progress in alchemy so fast that even he sotis felt like it was a blur.

So, over the past half-year, he'd poured most of his energy into developing and mass-producing alchemical items, with potions as more of a side thing.

In that ti, one innovative, practical gadget after another had co out of his hands, hitting the market through the right channels.

With plenty of funding, tech, and connections, the Erald Tablet's loan progress bar had steadily climbed to about two-thirds done.

Lucien's gaze landed on the soon-to-be-finished magical communication notebook on the bench, his fingers brushing the cover.

As long as the pricing hit the sweet spot, this thing—poised to revolutionize how wizards chat—would sweep the market once it launched. No doubt about it.

That'd knock out the remaining loan progress in a snap.

After the competition, back ho, he could ti a rollout around Valentine's Day or sothing, with a line of beauty potions and fancy alchemical jewelry aid at won, plus whatever other bits and pieces brought in cash...

Clearing the Erald Tablet fragnts year-loan completely wouldn't even take a full year.

Thinking about it brought a smile to Lucien's lips.

In an ideal setup—with maxed-out developnt speed, solid startup cash, and no bureaucracy or bosses slowing things down—nailing market needs made success feel almost inevitable.

His mind snapped back to the project in front of him.

The magical patterns were flawless, and earlier tests had passed with flying colors. Ti to give it an official na.

It didn't take much thought—"SwiftSpeak" popped into his head naturally.

Bridging distances to deliver words and thoughts in an instant.

The na nailed the real-ti chat feature while keeping that classic letter-sending vibe—simple and spot-on.

"SwiftSpeak it is," he said softly, gazing down at this creation packed with his hard work and big ideas for the future. He habitually started mapping out next steps, murmuring to himself:

"Once the Erald Tablet fragnts year-loan is squared away, no big long-term commitnts for a while. As for those monthly and weekly ones, they're no big deal..."

[Ding!]

A clear, almost cheerful system chi rang out right in Lucien's mind:

[Host has triggered loan: Eternal Youth Apple Seed (year-loan)...]

Lucien: "?"

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