PERSONAL GUARANTEES UK

Struggling with a Personal Guarantee? We Help UK Business Owners 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.

what is a personal guarantee?

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.

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

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

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

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

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

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

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

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

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.

REQUEST YOUR FREE INITIAL CONSULTATION.

Facing pressure from a personal guarantee? Don’t wait until legal action begins. Request a confidential call now and get clear advice on how to protect yourself.