If he can't get a loan himself, it means that banks and institutions think he doesn't have enough trust, including credit and repayment ability.
Borrowing money now is a relative, but paying back money is an enemy. If you borrow it and pay it back, your friend will be fine.
You shouldn't ask such questions to help your relatives. If it's a family, I'll say a little more. If not, I suggest you pass the buck. You can't help.
In my life, I always feel that there is a letter, and if I don't believe it, there is nothing.