გირაო (ინგლისურად Collateral) არის ქონება, რომელსაც სესხის ამღები სესხის უზრუნველყოფის მიზნით იყენებს. იმ შემთხვევაში, თუ სესხის ამღები ვერ ან არ გადაიხდის დავალიანებას, სესხის გამცემს შეუძლია, უზრუნველყოფაში განთავსებული ქონება (გირაო) გაყიდოს და ამ გზით დაფაროს მის მიმართ არსებული დავალიანება.
როდესაც სესხის გირაოთი უზრუნველყოფა ხდება, ამისთვის სესხის ამღების თანხმობაა საჭირო. ის წინასწარ თანხმდება პირობას – თუ სესხს ვერ ან არ გადაიხდის, გირაოში ჩადებული ქონებით მოუწევს დაფარვა.
სესხის გამცემი გირაოს მოთხოვნით რისკებს აზღვევს, რაც საშუალებას აძლევს, ენდოს სესხის ამღებს. ამასთან ერთად, რადგან ზარალის რისკი მცირდება, გირაოთი უზრუნველყოფილი სესხი უფრო დაბალ პროცენტში გაიცემა, ვიდრე სესხი უზრუნველყოფის გარეშე.
ტერმინი „გირაო“ ასევე გამოიყენება სამართალში, როდესაც განსასჯელს გარკვეული თანხის (გირაოს) გადახდის შემთხვევაში, საქმის გამოძიების დასრულებამდე ათავისუფლებენ. ამ შემთხვევაში გირაოს თანხა გარანტია, რომ განსასჯელი არ მიიმალება. თუ მიიმალება, გირაოს თანხას დაკარგავს და მის საქმეზე გამოძიება მაინც გაგრძელდება.
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