Last updated: 27 May 2026

Get funding for your business, without personal assets on the line

No personal guarantee business loans

With a no personal guarantee business loan, only the business is liable, your personal finances stay protected, no matter what.

Compare your options for business loans with no personal guarantee today.

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  • Your home and savings are never at risk

  • Get matched with the right lender for your business

  • Receive expert support from a dedicated funding specialist

  • FCA regulated since 2015

What is a no personal guarantee business loan?

When lenders offer a business loan, they often ask directors or owners to sign a personal guarantee, a legal promise that if the business can't repay, you will, from your own pocket. A no personal guarantee business loan removes that clause entirely. The loan is secured against the business itself, its revenue, assets, or creditworthiness, not against you personally.

This is particularly valuable for:

  • Limited company directors who don't want personal exposure

  • Business owners with mortgages or dependents they need to protect

  • Entrepreneurs running multiple ventures who can't risk cross contamination of liabilities

  • Fast growing SMEs that need capital quickly

What are the different types of no personal guarantee business finance?

  • Asset finance

    Fund equipment, vehicles, or machinery using the asset itself as security, keeping your personal finances completely separate.

  • Invoice finance

    Unlock cash tied up in unpaid invoices without signing away personal liability. Get up to 90% of invoice value upfront.

  • Merchant cash advance

    Get a lump sum advance against your future card sales, repaid automatically as a percentage of daily takings. No PG, no fixed repayments, no personal risk.

  • Unsecured business loans

    Borrow based on your business's financial health alone. No collateral, no personal guarantee, no charge over personal assets. Ideal for businesses with 12+ months' trading history and consistent revenue.

  • Revenue based loan

    Repayments flex with your income, pay more when business is good, less when it's quiet. No fixed monthly payments and no personal guarantee required.

Who qualifies for a no personal guarantee business loan?

No PG lending isn't available to every business, but more qualify than you might expect. Lenders are more likely to offer no personal guarantee terms when:

  • You have at least 2 years of trading history

  • Your business has consistent, predictable cash flow

  • Your business credit score is in good shape

  • You're borrowing against an asset or invoice book

  • Your loan amount is proportionate to your annual turnover

Why choose a no personal guarantee business loan?

  • Keep business and personal finances separate

    Setting up a limited company is meant to protect your personal finances. Finance without a personal guarantee helps keep that separation in place, so your borrowing stays with the business, not you personally.

  • Borrow with more peace of mind

    When your home or savings aren’t tied to the loan, it can feel easier to make decisions about growing your business. Many business owners feel more comfortable taking on funding when their personal assets aren’t at risk.

  • More options for growing businesses

    No personal guarantee finance is available across a range of products, including unsecured loans, invoice finance, and trade finance, giving businesses more flexibility in how they access funding.

What are the advantages and disadvantages of a no pg loan?

Advantages of a no pg loan

Disadvantages of a no pg loan

Your home, savings and personal credit are never at risk

Interest rates are typically higher, lenders price in the additional risk

Business and personal finances stay fully separate

Eligibility criteria can be stricter than for PG backed loans

Directors can pursue growth finance without personal liability

You may be able to borrow less without a PG in place

A business default won't directly affect your personal credit file

Shorter repayment terms are common, meaning higher monthly payments

No personal exposure if you sell or wind down the business

Harder to access as a startup without an established trading history

How to apply for a personal guarantee business loan?

Applying for a no personal guarantee business loan through Capitalise is quick and simple. To get started, you’ll need to share a few details about your business, including the type of funding you’re looking for and how much you’d like to borrow.

Once we understand your requirements, a dedicated funding specialist will work with you to identify suitable lenders from our panel. They’ll explain what information and documents are needed, help package your application, and support you throughout the process. If you receive offers, your funding specialist will help you compare them side by side, including the rates, terms, and repayment structure, so you can choose the right option for your business with confidence.

Apply for a no personal guarantee business loan today

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