1. Professionalism: A formal guarantee company must have qualified business and staff. If the staff who receive you are unprofessional and unfamiliar with business processes, you should be cautious. The moral hazard of insiders is the most common problem for guarantee companies. For unprofessional guarantee companies, it is best not to continue to handle business.

2. Strong funds: You can check the registered capital, business scale and office staff of the guarantee company through some certificates. Under the same conditions, it is best to choose a stronger guarantee company, which will provide you with better protection, and the company with good strength has a higher pass rate in loans.

3. Business process: Looking for a loan from a guarantee company can save you a lot of troubles, because many process guarantee companies will take you to operate, so the business process of the guarantee company should be rigorous and standardized.

4. Risk control system: Any credit company engaged in financial business inevitably has risks. The strength of a guarantee company determines whether it has sufficient solvency.

5. Qualification: When choosing a guarantee company, be sure to check the main business scope. Some companies have no guarantee qualification at all. Don't just look at the business license, you can also check the credit record certificate.