Close more qualified loans. Change nothing about how you lend.
The economics work. The credit is sound. But when a qualified buyer sees "full recourse" or "uncapped personal guarantee," they hesitate - and sometimes they walk. Not because the deal is bad, but because the personal exposure feels unbounded.
That hesitation costs you closings.
Personal Guarantee Insurance caps the borrower's personal downside on the guarantee - without changing anything about your credit decision, your documents, or your underwriting standards. The guarantee stays fully enforceable. The borrower just has insurance behind it.
Why lenders support PGI
PGI removes the emotional and financial wall that stops qualified borrowers at the finish line. Fewer creditworthy deals die because the guarantor balks at personal exposure. It converts a behavioral barrier into a priced insurance solution - expanding the deals that actually get to close.
PGI sits beside the loan, not in front of it. Every deal must satisfy your credit standards first. PGI is not a substitute for your lending discipline - it is a complement to it. It is explicitly not a distressed credit product or a replacement for lender underwriting.
PGI carries a minimum 20% co-insurance, so the guarantor still has real accountability. This reduces moral hazard and keeps the owner motivated to protect both the business and the loan. The borrower's interests stay aligned with yours.
PGI includes early intervention support - restructuring guidance, covenant resets, managed sales - before a claim fully develops. Organized borrowers produce better workout outcomes than panicked ones. A product that supports early intervention and preserves recoveries is additive to overall lender performance.
PGI underwrites using the same documents you already collect for the loan. It runs in parallel with your credit approval - no new workflows, no extra steps for your team. PGI is quoted and bound alongside the credit approval process.
The bottom line
PGI helps you close more qualified loans by making personal guarantees more acceptable to strong borrowers - without diluting your credit discipline.
The guarantee stays enforceable. The borrower stays accountable. Your process stays the same. More deals just get to the finish line.
Two ways to offer PGI to your borrowers
PGI can be integrated into your lending process through a simple referral, or through a bespoke scheme tailored to your institution.
Referral
Introduce your borrowers to PGI. We handle quoting, binding, and administration. You earn a commission on every policy placed.
- Borrower is the policyholder
- Commissions on every referral
- No setup required. Start immediately.
- PGI handles all policy administration
- Claims paid directly to the lender
Scheme Arrangement
PGI builds a bespoke insurance solution tailored to your lending book, risk profile, and borrower base. You administer the scheme; we underwrite it.
- Lender is the policyholder
- Commissions + margin enhancement
- Custom premiums and coverage terms
- Cost of policy can be added to the loan
- Claims paid directly to the lender
Benefits to your lending book
- Improve the security of your lending book: an insured guarantee is stronger than an uninsured one
- Earn additional income: commissions on every policy, or margin enhancement on scheme arrangements
- Offer borrowers protection: give your clients a credible option when they hesitate at the personal guarantee
- Risk management services: PGI includes early intervention, restructuring guidance, and managed recovery support
- Cost of funds advantages: insured guarantees may improve portfolio risk metrics
- No change to your process: PGI uses the same documents you already collect and runs alongside your credit approval
Reach out and let's talk.
Remove the last obstacle.