A guarantee and collateral agreement is a contract between a lender and a borrower where the borrower guarantees payment or surrenders collateral. This collateral agreement template is what you need to secure an item of value as collateral for monetary debt.A collateral access agreement is a legal document that outlines the terms and conditions of how an individual can borrow money from a business owner. To secure all of the Guarantor Obligations, Grantor grants to the Bank a security interest in the property described in Exhibit A (the "Collateral"). 2. A mortgage or security agreement using personal property as the collateral. These agreements are recorded in county if real property is affected. Are you looking for a loan agreement form in California? Download our free California Loan Agreement Form which is available as PDF or Word documents.