Micro-loan companies can make direct loans with a small amount of 5-65,438+10,000 yuan, which is a company approved by the state with the ability to lend. A guarantee company is an intermediary company that undertakes personal loan business and bank loan business. Companies that exchange loan business with banks by providing guarantees to individuals and charging a certain intermediary fee, and companies that provide services related to loan business but cannot lend directly.
To put it simply, one person who lends money directly to you is a small loan company, and the other is an investment guarantee company who helps you borrow money and collect agency fees.