PERSONAL GUARANTEES UK

Expert Personal Guarantee Help & Advice for Business Owners to Negotiate & Settle Debt

If you’ve signed a personal guarantee and your business is under financial pressure, you don’t need to face it alone. We help directors across the UK reduce liability, protect assets, and negotiate fair settlements with lenders.

What is a Personal Guarantee – and Why is it Risky?

A personal guarantee makes you personally liable for business debts if your company can’t pay. Lenders use them to secure loans, but for directors, this can mean:

Personal assets at risk (including your home).
Legal action from lenders if payments are missed.
Long-term financial strain on you and your family.

If you’re facing demands under a personal guarantee, it’s vital to act quickly.

How We Help with Personal Guarantee Debt

Our team has years of experience working with directors and their lenders. We focus on:

Negotiating Settlements – reducing what you owe through professional negotiation.
Challenging Unfair Terms – reviewing agreements for flaws or misrepresentation.
Protecting Your Assets – helping you limit personal liability.
Practical, Real-World Advice – clear guidance you can act on right away.

We’re not here to judge – we’re here to give you a path forward.

Why Choose Personal Guarantees UK

We have the knowledge and experience to achieve the best possible financial outcome for you.

Experienced in handling director guarantees across the UK

We work exclusively with directors facing personal guarantee demands. Our experience ensures you receive practical guidance tailored to your situation, giving you clarity and control from the very start.

Strong track record of successful negotiations with lenders

We’ve achieved settlements that save directors significant amounts compared to the original demand. Lenders know we negotiate professionally, helping us reach fair agreements and reduce liabilities quickly.

Straightforward, practical advice with no jargon

We explain your options clearly, without legal jargon. You’ll always understand where you stand, what risks you face, and the practical steps you can take to protect yourself.

Confidential and discreet service tailored to your situation

Everything you share with us is treated in strict confidence. We provide discreet, sensitive advice tailored to your circumstances, so you feel reassured and fully supported throughout the process.

Take Control of Your Personal Guarantee Today

The sooner you act, the more options you have. Whether you’ve just received a demand, or you’re worried about what might happen next, we’re here to help.

Personal Guarantee FAQs

Every director’s situation is unique, but many of the same concerns come up time and again. Here are answers to some frequently asked questions about personal guarantees and how they work in the UK.

If your question isn’t here, just get in touch.

Do personal guarantees apply if my business goes into liquidation?

Yes – even if the company is liquidated, a personal guarantee means you could still be liable for repayment personally. Learn more in our guide on how personal guarantees impact business insolvency

Can I negotiate the amount I owe under a personal guarantee?

In many cases, yes. Lenders often prefer settlement over legal action, and we specialise in negotiating reduced liabilities.

Will I lose my home if I’ve signed a personal guarantee?

Not always. Outcomes depend on your agreement and financial situation, but acting early helps protect key assets.

Can I write off personal guarantee debt?

In certain cases, lenders may agree to write off part of a personal guarantee debt if a realistic settlement is offered.

How long does a personal guarantee last in the UK?

There’s no fixed expiry – personal guarantees usually last until the debt is settled, unless specific time limits are included in the agreement.

Can a personal guarantee be challenged in court?

Yes, if it was mis-sold, signed under pressure, or contains flaws. We can assess whether your guarantee could be challenged legally. See our article on challenging personal guarantees

What happens if I ignore a personal guarantee demand?

Ignoring it can lead to legal action, asset recovery, or bankruptcy. Seeking advice quickly gives you the best chance of negotiating a fair outcome.

Does a personal guarantee affect my credit rating?

It can, if the lender pursues you personally and the debt remains unpaid. Negotiation or settlement can help limit the impact.

What Our Past Clients Say

“Personal Guarantees UK were recommended to us when our business failed. We had two personal guarantees one with our bank and the other with a funding company who were being very unreasonable. We had no idea what to do and the stress was making me ill I thought we’d lose our house. From first contact it felt like a weight lifted. Everything was analysed in a way we never could have ourselves and unbelievably offers were made to settle both guarantees that were accepted. It wasn’t easy but we could just about afford it and most importantly we still have our home and now we can concentrate on our new venture without all the stress and worry we had before. We can’t thank PGUK enough would recommend them to anyone who finds themselves in the unfortunate situation we did.”

“I really appreciate the professionalism and expertise from Personal Guarantees UK. Their team is knowledgeable and offers clear guidance on personal guarantees. Their transparency, responsiveness, and dedication to client satisfaction truly set them apart. Whether you’re a business owner or an individual seeking clarity on personal guarantees, I’d highly recommend Personal Guarantees UK for reliable advice and service.”

“I had been a director of my company for 15 years before it finally went into liquidation. It was a difficult time and finding my way through the insolvency process was confusing enough let alone having to deal with the bank claiming against me personally for loans taken by the company.

PGUK relieved me of this stress, advising on my financial position and what was the right commercial proposal required to settle the debt, which was affordable to me and acceptable to the Bank. I would not have been able to do this on my own.”

Don’t Face Personal Guarantee Debt Alone

We’ve helped directors across the UK reduce and settle personal guarantee liabilities. Take the first step towards peace of mind today with our directors’ personal guarantee advice

Find out more about:

What legal action you could face, the consequences and how to avoid it.
Why you will not have to repay the full value of the claim.
What is likely to be required to settle your claim.
How claims are negotiated, what proposals should contain and how proposals should be presented to achieve sensible affordable settlements.

What have you got to lose? Remove the anxiety and stress caused by facing claims under personal guarantees and claims from your liquidator and call Personal Guarantees UK for a free initial consultation. With over 10 years of experience negotiating claims for directors you will be in safe hands.