On the other hand, "loan with guarantee association" is through the public institution "credit guarantee association" that supports small and medium-sized enterprises and small businesses as a guarantor when receiving a loan from a financial institution and makes it easier to receive a loan. It is a loan that is established by doing. In the unlikely event that the borrower's repayment is delayed, the Credit Guarantee Association will make a "prepayment" to the financial institution on behalf of the borrower.