1. Can a guarantee company provide a loan?

Of course it can. The guarantee company only helps you package the information, but it follows the bank's procedures. There is no charge in the early stage. If you need it, you can You can come to me

2. Individuals can seek loans from guarantee companies

Legal analysis: Guarantee companies can guarantee loans from banks to individuals. When an individual or enterprise borrows money from a bank, in order to reduce risks, the bank does not directly lend money to the individual, but requires the borrower to find a third party (a guarantee company or a qualified individual) to guarantee it. The guarantee company will ask the borrower to issue relevant qualification certificates for review according to the bank's requirements, and then hand over the reviewed materials to the bank. The bank will release the loan after review, and the guarantee company will charge corresponding service fees

Yes , the guarantee company itself is engaged in guarantee business. It’s just that the guarantee company will charge a guarantee fee from the individual. Guarantee companies can guarantee bank loans to individuals, collectives, and enterprises. This is a necessary business for guarantee companies.

Legal basis: "The People's Republic of China and the Civil Code"

Article 386 The security right holder shall realize the guarantee if the debtor fails to perform the due debt or the parties agree to it. In the case of property rights, the party shall have priority in receiving payment for the guaranteed property in accordance with the law, except where otherwise provided by law.

Article 387 If a creditor needs a guarantee to ensure the realization of its creditor's rights in civil activities such as lending, buying and selling, it may establish security interests in accordance with the provisions of this Law and other laws.

If a third party provides a guarantee for the debtor to the creditor, it may require the debtor to provide a counter-guarantee. Counter guarantee shall be governed by the provisions of this Law and other laws.

3. Is it legal for a company to lend money to another company?

It is legal for a company to lend money to another company. When a company goes to a bank for a loan, the bank requires the company to have collateral and a guarantor. According to legal provisions, when a company's loan is repaid, the bank requires the company that acts as a guarantee to perform joint and several liabilities, repay the principal and interest of the bank loan for the lender, and fulfill its guarantee responsibilities. Therefore, it is legal for one company to lend money to another company.

4. Can guarantee companies directly lend loans?

That’s not lending. That's putting. Lending you their own money. They will know all about you. How much money can be borrowed depends on your situation. Of course, the interest rate will definitely be much higher than that of the bank. And it will be quite troublesome once you fail to pay. So you need to think carefully.