Most scam companies will have a proper registered company as failing to set one up is an easy way of detecting it is a scam and companies are easy to set up.These days a company can be set up online at minimal cost.
However it seems to me to be a scam because you are being asked to pay a relatively small sum to gain a much greater one. Ask yourself why any fee cannot simply be deducted from the loan monies and they simply send you the rest?
I hope this helps. If there are any further points please reply