Business loans without a personal guarantee
Most traditional business loan programs require a 100 percent personal guarantee from sole owners, putting personal assets at risk for company debt. Finding financing that bypasses this requirement is difficult, leaving owners hesitant to borrow even when they believe in their business.
Overview
People affected2 accounts across 1 forum
Workarounds found1 item attempted
Community agreement2 total upvotes
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
1 item+ Contribute
Found another way around this?
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- 1Using alternative financing or fintech lenders catered toward software or AI startups that sometimes avoid personal guaranteesDid this help you?
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
r/smallbusiness2 people · September 2026
Where this came up
People with this problem also raised
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