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Business loansLast updated: 23 Oct 2026
Get funding for your business, without personal assets on the line
No personal guarantee business loans
A no personal guarantee business loan is funding where only your business is liable, so your home and savings stay protected.
Compare no personal guarantee options from our panel of 130+ UK lenders, with a dedicated funding specialist on hand to guide you.
Your home and savings are never at risk
Get matched with the right lender for your business
Receive expert support from a dedicated funding specialist
FCA regulated since 2016
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What is a no personal guarantee business loan?
When lenders offer a business loan, they often ask directors or owners to sign a personal guarantee, a legal promise that if the business can't repay, you will, from your own pocket. A no personal guarantee business loan removes that clause entirely. The loan is secured against the business itself, its revenue, assets, or creditworthiness, not against you personally.
This is particularly valuable for:
What are the different types of no personal guarantee business finance?
Asset finance
Fund equipment, vehicles or machinery using the asset itself as security. Many asset finance providers don't need a personal guarantee as a result.
Invoice finance
Release up to 90% of the value of unpaid invoices upfront. The lender relies on your customers paying, not on you personally.
Merchant cash advance
Get a lump sum repaid as a percentage of your daily card takings, with no fixed monthly repayments. Some providers ask for a PG, so we'll match you with those that don't where you qualify.
Unsecured business loans
Borrow based on your business's financial health, with no collateral. Many unsecured lenders still ask for a PG, but established businesses with consistent revenue can find no PG terms.
Revenue based loan
Repayments flex with your income, so you pay more when business is good and less when it's quiet. Lenders often assess your sales data rather than asking for a guarantee.
Trade finance
Pay suppliers upfront for stock or materials, with the funding tied to the goods themselves rather than your personal assets.
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Who qualifies for a no personal guarantee business loan?
No PG lending isn't available to every business, but more qualify than you might expect. Lenders are more likely to offer no personal guarantee terms when:
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How can you improve your chances of borrowing without a personal guarantee?
The stronger your business looks on paper, the less a lender needs your personal backing.
How is a no personal guarantee loan different from a loan with a personal guarantee?
The main difference is who repays if the business can't. Without a guarantee, the lender's claim stops at the business.
With a personal guarantee | Without a personal guarantee | |
|---|---|---|
Who repays if the business can't | The business, then you personally | The business only |
Personal assets | Can be pursued | Not part of the agreement |
Typical cost | Rates are often lower | Rates are often higher |
Who it suits | Newer businesses and startups | Established businesses with steady revenue |
Why choose a no personal guarantee business loan?
Keep business and personal finances separate
Setting up a limited company is meant to protect your personal finances. Finance without a personal guarantee helps keep that separation in place, so your borrowing stays with the business, not you personally.
Borrow with more peace of mind
When your home or savings aren’t tied to the loan, it can feel easier to make decisions about growing your business. Many business owners feel more comfortable taking on funding when their personal assets aren’t at risk.
More options for growing businesses
No personal guarantee finance is available across a range of products, including unsecured loans, invoice finance, and trade finance, giving businesses more flexibility in how they access funding.
What are the advantages and disadvantages of a no pg loan?
Advantages of a no pg loan | Disadvantages of a no pg loan |
|---|---|
Your home, savings and personal credit are never at risk | Interest rates are typically higher, lenders price in the additional risk |
Business and personal finances stay fully separate | Eligibility criteria can be stricter than for PG backed loans |
Directors can pursue growth finance without personal liability | You may be able to borrow less without a PG in place |
A business default won't directly affect your personal credit file | Shorter repayment terms are common, meaning higher monthly payments |
No personal exposure if you sell or wind down the business | Harder to access as a startup without an established trading history |
How to apply for a no personal guarantee business loan
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Apply with Capitalise
Start an application and tell us about your business and how much you'd like to borrow.
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Gather your documents
Your dedicated funding specialist will let you know which documents you need and builds your application to send it to suitable no PG lenders from our panel.
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Receive your funding
Compare your offers side by side with your specialist, then receive the funds once you accept.
Apply for a no personal guarantee business loan today
Find out more about business loans
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Page last reviewed on by Nick Richardson