Underwriting
Personal guarantee
Definition
A personal guarantee is a commitment by a business owner to be personally responsible for a business obligation if the business does not meet it.
It is a standard feature of small business financing across banks, SBA lenders, and alternative funders, and reflects that a small company's creditworthiness is difficult to separate from its owner's. Read what any guarantee covers and for how long before signing.
Express Capital Funding · Direct lender
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We underwrite in-house and fund from our own balance sheet. $10,000+ in monthly revenue and 6+ months in business is the gate — a decision the same day, funding in as little as 24–48 hours.
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