It is illegal for a black intermediary to handle three certificates for you, which will involve false registration, fraud and other illegal acts. If found, you and the black intermediary will face legal responsibility. In addition, enterprises that are falsely registered cannot obtain relevant administrative licenses and qualification certifications, nor can they participate in normal market competition. Once it is discovered, it may have its business license revoked, and it may also face penalties and economic losses. Therefore, I suggest that you don't believe the false promises of black intermediaries and avoid illegal activities. If necessary, please choose formal channels to apply for loans or go through relevant procedures.