Dude I'm sorry but I can't understand what you are trying to say at all. What company are you talking about? Who is taking loans from this nebulous company and why? Who's interests are you worried about? The borrower's or the company's?

I think the answer to your question is simply pulling a credit report on the individual and underwriting their loan. You probably shouldn't be in the lending business if you don't know the basics of underwriting and what your credit/income/debt criteria should look like for acceptable risk.