Many banks can also apply for personal loans, but the process is very troublesome. Through the intermediary, it will be more convenient for these things to be handled by the intermediary, but if the intermediary handles it, it will charge related fees.
Intermediary companies do not accept any form of cash business. It aims to help customers find the matching of financial products such as banks or small loan companies, and its main income is agency fees. This kind of company is basically risk-free. If something bad happens to customers, it has nothing to do with them. As soon as the money is collected, the responsibility is lifted and the responsibility is retired. Like intermediaries in other industries, they play with information asymmetry.