Free Emerald Mistress by Lynne Graham

the loan was to be repaid on demand—’
    ‘On demand?’ Harriet gasped in appalled interruption.
    ‘Or Flynn Enterprises would be entitled to assume a full half-share in the property and the livery yard and to become Kathleen’s legal partner. Thecompany would also be entitled to first refusal in the event of a sale. The contract was drawn up by a clever lawyer and it would appear to be watertight.’
    Harriet’s lips parted in shock. ‘Are you saying that I could end up with Rafael Flynn as a partner in a business that is pretty much non-existent at this moment in time?’
    ‘Miss Carmichael…’ Eugene McNally breathed tautly, passing a thick legal document across the desk for her perusal. ‘Mr Flynn could move into your guestroom and you couldn’t object.’
    ‘So I’ll pay off the loan…I’ll get the money by taking out a mortgage!’ Harriet exclaimed.
    ‘While another party has an interest in half of the property that would be a challenge. You cannot define any one part of your inheritance as wholly yours. In those circumstances you will find it virtually impossible to persuade a financial institution to offer you a loan secured on the property. This contract leaves you with precious few options.’
    Harriet was steadily turning paler. ‘But why did my cousin borrow such a huge amount?’
    ‘Trade took a downturn at the livery yard, and she had debts. I assume the bank refused to finance the improvements she wanted to make. She also thought she was on to a winner working with Fergal Gibson—though I know for a fact that two yearsback the pair of them took a heavy loss on a racehorse they bought together. But Kathleen was an eternal optimist.’ The older man loosed a weary sigh. ‘I’m betting she looked at the three-year holiday on the loan repayments and hoped for the best.’
    ‘But surely she saw the risk of having Rafael Flynn foisted on her as a partner?’
    ‘She might not even have read the small print. She was a horse fancier, not a businesswoman. At the time Mr Flynn did not own the Flynn Court estate. But he is a man of considerable stature and experience in the bloodstock world, and Kathleen may well have…somewhat naively…thought that such a partner would be most advantageous to her.’
    One hundred thousand pounds, Harriet reflected in growing horror. It was an enormous sum. Even if she took all the profit she had made on selling her London apartment she couldn’t pay off a loan that size and still hope to rebuild the business. Settling the debt would destroy her prospects of making the livery yard pay. And if she couldn’t settle the debt even if she did make money from the yard,
he
would be entitled to half of the proceeds! This was the guy who had dared to ask her to have dinner with him? No wonder he had suggested that she might find the livery business challenging!
    ‘Why wasn’t this contract mentioned sooner?’Harriet asked tightly. ‘I think it’s inexcusable that I am only learning about it now.’
    ‘Mr Flynn was apparently willing to overlook the contract’s existence if you sold the property to him.’
    ‘He offers a very generous tip for a man whose stately home appears to be falling down round him!’
    ‘Mr Flynn only gained access to Flynn Court after his father, Valente Cavaliere, died some weeks ago. I believe that an extensive renovation project is being planned,’ the solicitor explained, unaware of the bombshell that he was dropping.
    Harriet stared at the solicitor with steadily rounding blue eyes of disbelief. ‘Cavaliere? He’s…Are you telling me that Rafael Flynn is actually Rafael
Cavaliere
?’ she pressed, in a voice that was fading and breathless with shock. ‘The first time I met him I thought there was something familiar about him, but I would never have made that connection in a hundred years!’
    ‘My advice—and it’s off the record—would be to sell to him and buy elsewhere in the area,’ the older man suggested