By submitting this form, I give PGUK permission to contact me. More information can be found in our privacy policy.
If you’ve signed a director’s personal guarantee, you could face serious personal liability when your company struggles. We provide specialist advice and negotiation services to protect directors and reduce guarantee debts across the UK.
When a business applies for a loan, finance, or lease, lenders often require directors to sign a personal guarantee. This gives the lender security, but it also creates significant personal risk:
You may be personally liable for company debts if it defaults.
Lenders can pursue your personal assets, including property.
Legal action may follow if the debt isn’t repaid.
For many directors, these guarantees only become a serious concern when the business starts to struggle. That’s when specialist advice makes all the difference.
For broader information, see our main page on personal guarantee help
When a director signs a personal guarantee, the risks often aren’t fully understood until financial problems arise. These guarantees can quickly become a heavy burden, exposing directors to serious personal and financial consequences.
Financial Liability – debts shift from company to personal responsibility.
Asset Exposure – property, savings, and investments may be at risk.
Legal Action from lenders – lenders can pursue enforcement through the courts.
Emotional Strain – stress, anxiety, and uncertainty about the future.
The earlier you seek advice, the more options you’ll have to protect yourself.
Our role is to guide you through the process and achieve the best possible outcome. We provide:
Specialist Advice – tailored to directors’ responsibilities and risks.
Negotiation with Lenders – reducing liability and securing settlements.
Review of Agreements – identifying flaws, unfair terms, or misrepresentation.
Protection Strategies – helping safeguard your personal assets.
Our focus is always on minimising the financial and emotional impact for directors.
Choosing the right support makes all the difference when you’re facing a director’s personal guarantee. Here’s why directors across the UK trust us to guide them through challenging situations:
We focus solely on personal guarantees, giving directors targeted advice that’s practical, relevant, and effective. Every recommendation is based on years of experience dealing with director liabilities.
Our track record of securing reduced settlements gives directors confidence. Lenders know we negotiate professionally, which often leads to faster, fairer agreements that reduce financial and emotional strain.
We explain your position in plain English, making sure you understand your risks and options. You’ll always know the next step and feel confident about your decisions.
We recognise the stress directors face when personal assets are at risk. Our service is completely confidential, giving you reassurance that your situation is handled with professionalism and sensitivity.
The sooner you act, the more choices you’ll have. If you’ve signed a director’s personal guarantee and are worried about your personal liability, now is the time to seek advice.
We’ll help you understand your position, negotiate with lenders, and work towards the best possible outcome — protecting both your assets and your peace of mind.
If you’ve signed a director’s personal guarantee, you’re not alone — many directors have the same concerns. These FAQs cover the essentials, but if your question isn’t answered here, please get in touch with us directly.
If your question isn’t here, just get in touch.
Yes. Lenders often prefer a settlement to lengthy legal proceedings. Our team negotiates realistic agreements on behalf of directors.
The lender can pursue you personally, but there are often ways to limit or restructure liability. Acting early is key. Our personal guarantee help page explains the options available.
It depends on the terms of your agreement, but property is often considered. We work to protect your key assets.
In some cases, yes – for example, if the guarantee was mis-sold, signed under pressure, or improperly documented. Read more in our guide: Challenging Personal Guarantees
Yes. If a director cannot meet the obligations of a personal guarantee, creditors may petition for bankruptcy. However, negotiation or settlement often prevents matters from reaching that stage.
Not always. Some lenders insist on them for loans, leases, or credit agreements, but requirements vary. Where multiple directors exist, a lender may seek joint or several guarantees.
Seek professional advice straight away. The first steps you take can make a big difference to the outcome, including whether you can negotiate reduced liability or protect key assets.
If you’ve signed a personal guarantee as a director, expert advice can make all the difference. We’ll help you understand your options, protect your assets, and negotiate the best possible outcome.
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.
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.