The second question mark: As mentioned above, formal guarantee companies will not absorb scattered funds casually, so this situation is basically usury in the name of guarantee companies. In this case, the risk of "investors" (in fact, you can't call them that strictly) is definitely high, unless you have reliable relatives or friends.
The third question mark: that is the business of this "guarantee company" (actually it should be a pawnshop). He will find his own way to get the money back (this is the specialty of pawnshops). What you need to worry about is whether your money is reliable with them, regardless of whether the "borrower" has received the money.
The fourth question mark: What the borrower mortgages to the guarantee company is called counter-guarantee collateral. There are several possibilities for not taking bank loans: 1. The borrower's collateral or related materials cannot meet the requirements of bank risk control (the guarantee company takes risks that the bank will not bear as its main profit mode and obtains certain guarantee fees. If the guarantee company thinks that the value of the counter-guarantee collateral is not high enough, but the borrower can do it in other ways, the guarantee company is willing to provide guarantee for it); The bank has many requirements and complicated procedures. Most people are afraid of trouble, and the cycle is long. Even if they toss for a long time, they can't do it in the end. Moreover, guarantee companies generally have cooperative banks with good relations, and they can coordinate their relations well.
The fifth question mark: 1. As mentioned above, the borrower may not be able to do what the guarantee company can do; 2, information asymmetry, many borrowers have low cultural quality, limited resources, and habitually find familiar channels for financing.
The sixth question mark: If the guarantee company has wealth management business, it must sign a contract with the guarantee company, so as to know the repayment due. It should be noted that you must find a formal and reputable guarantee company.