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Take a garment of one who has put up security for a stranger
When lending money, a lender would take something from the borrower, such as a garment, as a guarantee of repayment. He would return it after the money was repaid. If the borrower was too poor, someone else could give something to the lender as a guarantee for him. See how you translated this in Proverbs 20:16. AT: "Take a garment as security from the one who guarantees that what a stranger has borrowed will be paid back" (See: rc://en/ta/man/translate/figs-explicit)
who has put up security
This means for someone to give something to a lender as a guarantee that what was borrowed will be paid. See how you translated this in Proverbs 20:16. AT: "who has guaranteed that what has been borrowed will be paid back" or "who has promised to pay a loan" (See: rc://en/ta/man/translate/figs-idiom)
hold it in pledge
To "hold something in pledge" means to hold on to something that someone has given as a pledge, or promise, that he will pay a debt. See how you translated this in Proverbs 20:16. AT: "hold onto his coat as a guarantee of repayment" (See: rc://en/ta/man/translate/figs-idiom)