Document:

Exhibit 10.18

 

Loan Agreement

 

Lender (Party A): Sancaijia Technology Co., Ltd.

Social Credit No:

Address: Room 403, Sancai building, No. 6, Fengcheng
Second Road, Economic Development Zone, Xi’an, Shaanxi

 

Borrower (Party B): Houlaicun Commercial Operation
Management (Xi’an) Co., Ltd.

Social Credit No:

Address: No. 1D301-0924, XieTong building, No.
12, Gaoxin Second Road, High Tech Zone, Xi’an, Shaanxi

 

In accordance with the “Contract
Law of the People’s Republic of China”, the “Guarantee Law of the People’s Republic of China”, the “General
Principles of the Civil Law of the People’s Republic of China” and other provisions, and in line with the principle of equality,
voluntariness, good faith, and consensus through consultation, in order
to clarify responsibilities and to honor their commitments, the parties signed this Agreement.

 

Part I loan terms:

 

Article 1. The purpose of loan:
the loan under this Agreement must be used legally.

 

Article 2. Loan amount: the
loan amount is RMB (in words) twenty million yuan only, in figures: RMB 20,000,000.00 (in case of inconsistency between words and figures,
the words shall prevail, the same below).

 

Article 3. Loan interest: the
annual interest rate is 3%

 

Article 4. Loan term: the loan
term is from October 8, 2021 to December 31, 2021; If Party B repays the loan in advance, the loan interest shall be calculated based
on the actual number of days that the loan is used; Any prepayment shall be agreed by Party B and Party B through negotiation.

 

Article 5. The account designated
by Party B is:

 

Account Name:

Account No.:

Bank of deposit:

 

Article 6. Repayment method:
All the principle shall be paid when the loan is due, to the bank account designated by Party A.

 

     

     

    

 

Article 7. Rights and obligations
of the borrower:

 

		1.	Correctly and in a timely manner the borrower will provide the
relevant certificates and other documents as required, and will accept the supervision and inspection of the lender;

 

		2.	Guarantee that the loan will not be used for illegal activities;

 

		3.	Draw down the loan in accordance with the provisions of this
Agreement and repay the principal and interest of the loan on time.

 

Article 8. Rights and obligations
of the Lender

 

		1.	Make the loan to the borrower in accordance to the Agreement;

 

		2.	Has the right to the repayment of the loan principal and interest
in accordance with the provisions of this Agreement.

 

Part II: Liability for breach of this agreement
and other agreements

 

Article 9. Liability for breach
of the Agreement: if the certificates and other documents provided by the borrower are false and/or the loan is used for illegal activities,
the lender may require the borrower to repay all the loan and the corresponding interest immediately.

 

Article 10. If Party B delays
repaying the loan for more than 10 days, a late fee of 0.05% will be charged for each day of the delay.

 

Article 11. Dispute resolution:
Disputes arising from this Agreement shall be settled by both parties through negotiation. If the negotiation fails, a lawsuit may be
brought to the People’s Court where Party A (the lender) is located

 

Article 11. Effective, change,
dissolution and termination

 

		1.	Before signing this Agreement, both parties fully understand
and accept the contents of this Agreement, and all the terms of this Agreement are true and valid. The Agreement shall come into force
after being signed by both parties;

 

		2.	The Agreement shall be terminated after the principal, interest
and relevant expenses of the loan under the Agreement are fully paid off;

 

		3.	If the Agreement needs to be changed or terminated, both parties
shall reach a written agreement together through negotiation.

 

Party A (lender): Sancaijia Technology Co., Ltd.
(sealed)

Legal representative: Wen, Ning (signed)

 

Party B (borrower): Houlaicun Commercial Operation
Management (Xi’an) Co., Ltd. (sealed)

Legal representative: Li,HuiQiao (signed)

 

Date: October 8,2021Exhibit 10.19 

 

Loan Guarantee Agreement

 

Lender (Party A): Sancaijia Technology Co., Ltd.

Social Credit No:

Address: Room 403, Sancai building, No. 6, Fengcheng
Second Road, Economic Development Zone, Xi'an, Shaanxi

 

Borrower (Party B): Houlaicun Commercial Operation
Management (Xi'an) Co., Ltd.

Social Credit No:

Address: No. 1D301-0924, XieTong building, No.
12, Gaoxin Second Road, High Tech Zone, Xi'an, Shaanxi

 

Guarantor (Party C): Shaanxi Xiaoying Financing
Guarantee Co., Ltd.

Social Credit No:

Address: Room B16, phase 1, Business center, No.
1 Chanba Avenue, Baqiao District, Xi'an, Shaanxi Province

 

In accordance with the “Contract
Law of the People's Republic of China”, the “Guarantee Law of the People's Republic of China”, the “General Principles
of the Civil Law of the People's Republic of China” and other provisions, and in line with the principle of equality, openness,
good faith, consensus through consultation, in order to clarify responsibilities and honor their commitments, the parties signed this
Agreement.

 

Part I Loan terms

 

Article 1. Purpose of loan:
the loan under this Agreement must be used legally.

 

Article 2. Loan amount: the loan amount is RMB twenty
million yuan (in words) only, in figures: RMB 20,000,000.00 (in case of inconsistency between words and figures, the words shall prevail,
the same for below).

 

Article 3. Loan interest: 3%
per year.

 

		1.	In case of prepayment by Party B, the loan interest shall be
calculated based on the actual number of days that the loan is used, and any prepayment shall be negotiated and agreed by Party B and
Party A.

 

		2.	If Party B delays in repaying the loan for more than 10 days,
a late fee of 0.05% will be charged for each day of delay.

 

Article 4. Loan term: the loan
is from October 8, 2021 to December 31, 2021.

 

Article 5: The bank account
designated by Party B is:

 

Account Name:

Account No.:

Bank of deposit:

 

Article 6. Repayment method:
All principle shall be repaid when the loan is due, to the bank account designated by Party A.

 

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Article 7. In the case of any
of the following circumstances, the lender has the right to require the borrower at any time to repay part or all of the principal and
interest of the loan:

 

		1.	The borrower uses the borrowed money for illegal activities;

 

		2.	The collateral is damaged or lost and is therefore is insufficient
to cover the purpose of guarantee under this agreement, and the borrower and guarantor are unable to provide other guarantees to the
lenders satisfaction.

 

Article 8. Rights and obligations
of the borrower:

 

		1.	Truthfully and in a timely manner provide relevant certificates
and other document required, and accept the supervision and inspection of the lender;

 

		2.	Guarantee that the loan will not be used for illegal activities;

 

		3.	Draw down the loan in accordance with the provisions of this
Agreement and repay the loan principal and interest on time.

 

Article 9. Rights and obligations
of the Lender

 

		1.	Make the loans to the borrower according to the Agreement;

 

		2.	Has the right to collect the loan principal and interest in
accordance with the provisions of this Agreement, and has the right to exercise the security in accordance with the provisions.

 

Part II Guarantee terms

 

Article 10. Guarantor: in order
to ensure the borrower's proper performance of its repayment obligations, the guarantor guarantees to the lender all the property it owns
and the lender has the right to dispose of this as the security for the loan.

 

The guarantor guarantees that the self-owned property
guaranteed meets the guarantee conditions and agrees to be bound by this Agreement. The guarantee undertaken by the guarantor is a unlimited
jointly liability guarantee, that is, a guarantee for the full principal and interest.

 

Article 11. Scope of guarantee:
the loan principal, interest, overdue interest, liquidation costs and all expenses of the lender to realize its creditor's rights (including
legal fees and lawyer's fees) under this Agreement.

 

If the borrower fails to perform
its repayment obligations in accordance with the Agreement, whether the lender has other guarantees for the creditor's rights under the
Agreement or not, the lender has the right to directly require the guarantor to bear the guarantee liability.

 

Part III Liability for breach of contract and
other agreements

 

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Article 12. Liability for breach
of Agreement.: the following circumstances constitute a breach of Agreement, and the breaching party shall bear the liability for any
breach of the Agreement.

 

		1.	If the certificates and/or any other documents provided by the
borrower are false or illegal, the lender may require the borrower to repay all the loans and corresponding interests immediately, and
may exercise other security rights over the guaranteed collateral under this Agreement.

 

		2.	If the guarantor causes losses to the lender due to concealing
that the collateral is jointly owned, disputed, sealed up, otherwise guaranteed or leased, the guarantor shall be liable for compensation
to the lender.

 

Article 13. Dispute resolution:
disputes arising from the performance of this Agreement shall be settled by all parties through negotiation. If the negotiation fails,
a lawsuit may be filed with the People's court where Party A (the lender) is located.

 

Article 14 effective change,
dissolution and termination

 

		1.	Before signing this Agreement, all parties to the Agreement
have fully understood and accepted the contents of this Agreement. The Agreement shall come into force after being signed by all parties;

 

		2.	The Agreement shall be terminated after the principal, interest
and relevant expenses of the loan under the Agreement are fully paid off;

 

		3.	If the Agreement needs to be changed or terminated, the parties
shall reach a written agreement jointly through negotiation.

 

Party A (lender): Sancaijia Technology Co., Ltd.
(sealed)

Legal representative: Wen, Ning (signed)

 

Party B (borrower): Houlaicun Commercial Operation
Management (Xi'an) Co., Ltd. (sealed)

Legal representative: Li,HuiQiao (signed)

 

Party C (guarantor): Shaanxi Xiaoying Financing
Guarantee Co., Ltd. (sealed)

Legal representative: Gao,XiangDong

 

Date: October 8, 2021

 

 

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