Why do some well-qualified companies guarantee company loans when banks are eager to lend money?

1, a good company qualification does not mean that it conforms to the bank's credit policy. The bank's credit policy will change every year, and it will be adjusted every year according to the national macro-policy of the industry and the bank's own credit capital flow. Maybe the company you refer to belongs to an industry that the bank does not support, so it may not meet the requirements in the first-level "industry access".

2, the company's qualifications are good, and it is difficult for banks to issue credit loans to him. Therefore, generally speaking, banks need enterprises to provide a second repayment source for loans, which can be real estate mortgage, gold or certificate of deposit pledge, machinery and equipment mortgage, or third-party guarantee. , but no matter what kind of evaluation value, it is necessary to cover the loan amount applied for. Therefore, the company you refer to may not be able to provide qualified full guarantee.

3. Find a loan from a guarantee company. Because their company is small, the approval chain is short, the efficiency is theoretically faster than that of big banks, and the procedures are relatively simple. So in terms of time, the company you refer to may be in a hurry and can only choose a guarantee company.

No matter why you choose the guarantee company, their rate will be much higher than that of the bank.