“有人担保的”可以翻译为“guaranteed by someone” 或者 “with someone as the guarantor” 。
例如：
This loan is guaranteed by someone with a good credit record.（这笔贷款有人担保，担保人信用记录良好。）
It's a with-someone-as-the-guarantor deal.（这是一笔有人担保的交易 。 ）