It depends on what kind of business you want to engage in. Small loan companies mainly provide small short-term capital turnover for enterprises or individuals, and collect interest from them. Guarantee companies can be divided into financing and non-financing. Financing guarantee companies can provide long-term and short-term capital loan guarantees for enterprises and individuals, and charge guarantee fees, which is relatively safe. They can also engage in all the guarantee businesses that non-financing guarantee companies can engage in, such as project performance guarantee, litigation property preservation guarantee, advance payment guarantee, bid guarantee, etc. Without bank credit, non-financing guarantee companies cannot engage in financing and loan guarantee business, but can only engage in general guarantee business.