Bill , I'm expecting a big increase in turnover with the coming of the Mid-Autumn Festival . But wholesales are unwilling to supply my orders unless I pay them an advance of 50 % of the full price , for my business is fairly new . I hope that you can make me an advance on loan .   Do you have stocks or a title deed of a house to pledge as security ?   No . I should be grateful if you could see your way to make an advance against my personal reputation . You may inspect my accounts . From my accounts you can see that I've promptly met all my obligations .   We do not allow any request for a loan against personal security . This is a common regulation . But we may consider it if you can provide a reliable guarantor .   Yes , I can . You know Mr . Macready , the famous car dealer here in New York . He agreed to act as my guarantor of a loan in the sum of US $ l0 , 000 until the end of this year . 