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.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Using alternative financing or fintech lenders catered toward software or AI startups that sometimes avoid personal guarantees
In their words
Unedited, most upvoted first, each linked to the thread it came from.
Where this came up
People with this problem also raised
- 2Feeling guilty about cancelling plans at the last minute
- 6Funding my business out of my own pocket
- 3Can I get a loan with unfiled tax returns?
- 2How to get people to join a non-profit without giving swag
- 3How to force your bank to decline payments instead of overdrafting
- 4How to get a mortgage without a traditional salary or employment history