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Tai Kam-chai (Kent Cheng), aka Loan Shark, is a gangster style money lender who uses some dodgy debt collection method. Even though his wife Rose Chu (Maggie Shiu) keeps persuading him to quit, he has no regrets about what he is doing. Police Inspector Ching Yue-sum (Lai Lok Yi) has been keeping his eye on Kam-chai’s flagrant business and debt collection activities. Yue-sum has a righteous character and despises wrongdoers. He is determined to bring the villains to justice. On a certain day, amid thunderous lightning, Kam-chai abandons his ruthless ways as he is moved by some heavenly enlightenment. He uses his wealth to make contributions to the community and eventually transforms into Everybody’s Generous Papa.

「貴利王」戴金仔(鄭則仕飾)一直用江湖手法，經營財務放數，用不良手法追債，縱有妻朱露絲(邵美琪飾)屢勸金盤洗手，仍不知悔改。金仔經營手法及追債過程中，惹來一直虎視在側的神探程宇森(黎諾懿飾)注視，宇森正義凜然，疾惡如仇，誓要入刀山……某天，金仔被上天感召天打雷劈，從此放下屠刀，以財力回饋社會，變成派錢的「街坊財爺」……