Which is more promising, a small loan company or a guarantee company?

It depends on what kind of business you want to engage in. Small loan companies mainly provide small short-term capital turnover for enterprises or individuals, and collect interest from them. Guarantee companies can be divided into financing and non-financing. Financing guarantee companies can provide long-term and short-term capital loan guarantees for enterprises and individuals, and charge guarantee fees, which is relatively safe. It can also engage in all guarantee businesses that non-financing guarantee companies can engage in, such as project performance guarantee, litigation property preservation guarantee, advance payment guarantee, bid guarantee, etc. And non-financing guarantee companies can't engage in financing and loan guarantee business without bank credit, but can only engage in general guarantee business.