Because of the collaterals you do not need a guarantee from anyone, the lender would just receive the agreed collateral as compensation in case of default. On another note, ETHLend is also working on international legal enforcement, in that case you don't even necessarily need a collateral. You have a tokenized promissory note, which is simply a universally accepted "I promise to pay you this much". In that case the local law enforcement agency is your guarantee.

This is a great project! I am very fond of the possibilities in international finance!

ETHLend is looking for a 2D animator (also voicing) for a series of short videos

We pay in our own LEND tokens after our ICO, price is negotiable