Rejected for Loans by the Entire Internet? I'll Use the System to Borrow Martial Arts Cultivation

After thirteen failed loan applications, Chu Xiao was completely out of options.

His younger sister, Chu Ning, suffered from a rare genetic degenerative disease known as "Fivefold Decline." Her treatment account was almost empty, and she had only three days left.

Just as he was about to try one last black-market loan platform, an unfamiliar app quietly appeared on his phone: [Martial Arts Lending System].

It didn't lend money. It lent martial arts cultivation.

"Available cultivation loan: Early Martial Master."

"Available martial arts loans: Thunder Shadow Saber, Shadowstep, Crimson Flame Saber."

So what if the whole internet refused to lend to me?

I, Chu Xiao, am borrowing cultivation, not money!

From then on, Chu Xiao borrowed cultivation and rose against all odds in a modern high-martial-arts world!

"I'll repay the money."

"I'll borrow cultivation, too."

"But if anyone dares to delay my sister's treatment..."

"I'll make them repay every last bit, with interest, twice over!"