Is the online investment guarantee company loan true?

A guarantee company is when an individual or enterprise borrows money from a bank. In order to reduce risks, banks do not lend directly to individuals, but require borrowers to find a third party (guarantee company or qualified individual) to provide credit guarantee for them.

According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.

Investment guarantee company loans are true, and unsecured loans are basically deceptive.

Loans should go through formal and legal channels.