Understand your guarantee. Protect your position.
If you've signed — or been asked to sign — a personal guarantee, you deserve independent advice before, during and after any lender demand. We help UK directors take back control.
A signature that changes everything.
Most directors sign personal guarantees quickly, often as part of a wider funding package. Few are ever walked through what they mean in the worst case: liability that survives the company, sits directly on your personal assets, and can be enforced years later.
We help you understand exactly what you have signed, what you may be liable for, and — crucially — the practical, legal and commercial options available to you today.
You've been asked to sign a PG
Before you sign anything, understand what you're agreeing to and how to limit exposure.
You've received a demand letter
A formal call under a guarantee needs a considered response, not a rushed reply.
You're being pursued personally
You have options — from negotiation and settlement to formal defences and restructuring.
Your home feels at risk
We help protect what matters most while resolving the underlying debt.
A clear path through, whatever stage you're at.
Guarantee review
Line-by-line analysis of the document, your exposure and any weaknesses in enforcement.
Negotiation strategy
Realistic settlement, deferral or structured repayment strategies designed to be accepted.
Asset protection
Preserving your home, savings and family security while resolving the underlying liability.
Personal guarantee questions, answered.
A personal guarantee is a contractual promise, typically given by a company director, to be personally liable for a specific business debt if the company defaults. It effectively steps outside the protection of limited liability for that obligation.
In many cases, yes. Lenders will often consider a discounted lump sum settlement, a structured repayment plan or other commercial arrangements — particularly when presented with a professional, well-evidenced proposal.
Act quickly, but not rashly. There are usually more options than lenders initially suggest. Response deadlines matter, so speak to us before making any offers or admissions.
Rarely. Bankruptcy is one of several routes — informal settlements, IVAs, restructuring and negotiated arrangements all exist. Our job is to explore every option before that becomes necessary.
Occasionally. Defects in the document, misrepresentation, undue influence or lender misconduct can all provide grounds to challenge or reduce a guarantee. Every case turns on its facts.
Called on your guarantee? Don't respond alone.
One conversation could reshape your options. Everything you tell us stays confidential.