The personal guarantee is the single biggest friction point in Canadian small-business lending. Qualified borrowers walk away from term sheets they could otherwise sign. Marginal deals stall at the last meeting. PGI gives you a tool to put back in front of those clients: an insurance product that caps part of their personal downside without changing your underwriting, your security, or your recovery rights.

Where you sit: Loan origination, credit, or relationship management at a bank, credit union, BDC, monoline lender, or fintech.

What you gain:

• A way to close more of the deals you already want to do. PGI gives borrowers a defined cap on personal exposure, which is what they actually need before signing. Conversion improves on marginal deals without compromising lender economics.
• No change to your collateral, security, recourse, or recovery position. The personal guarantee stays fully enforceable. PGI sits beside the loan, not in front of it.
• 20% co-insurance retained by the borrower. The policyholder has real skin in the game. PGI does not subsidize bad borrower behaviour.
• A current product to offer clients who have asked you for protection and who you have not previously been able to point anywhere. Personal Guarantee Insurance is new to most Canadian borrowers, and the lender who introduces it differentiates the relationship.
• Two ways to work with PGI: direct, where we engage with your underwriting team on application flow; or client-facing, where we engage the borrower and keep you informed. We adapt to your compliance, tied-selling, and referral-fee posture.
• A dedicated account contact. You do not get a generic broker switchboard. You get someone who knows your loan book, your origination flow, and the situations where PGI actually fits.

PGI is not a credit-enhancement product, not loan-payoff insurance, and not lender-facing protection. It does not replace your underwriting or change how you assess credit risk. It addresses borrower-side personal exposure and helps qualified borrowers cross the finish line on deals you have already approved on the credit merits.

Referral compensation is available within the framework of Canadian insurance referral and tied-selling rules. Where a lender's regulatory or compliance position prevents referral compensation, PGI works on a no-compensation basis.

The personal guarantee is one of the most consistent points of buyer drop-off in financed small-business acquisitions. A buyer reaches LOI, gets comfortable with the business, then sees the full personal guarantee requirement attached to the acquisition financing and pulls back. The deal that was tracking to close does not. For a marketplace or deal-flow network, that drop-off is lost revenue on a deal you already originated. PGI is a tool platforms can surface at the LOI or financing stage to give buyers a defined cap on personal exposure, without changing the loan structure or lender requirements.

Where you sit: Business-for-sale marketplaces, acquisition deal-flow networks, search-fund platforms, and broker-assisted transaction portals operating in the Canadian market.

What you gain:

• Higher close rates on financed transactions. Buyers who understand their personal exposure is capped are more willing to proceed through the financing stage. The drop-off that happens between LOI and funded close decreases.
• A practical resource to offer buyers at the moment they need it. PGI can be introduced at the point of financing discussion, not as a sales insert but as information a serious buyer would want before signing a personal guarantee.
• Platform differentiation with no change to your listing or matching workflow. Surfacing PGI as an available resource positions your platform as one that supports buyers through close, not just to LOI.
• API integration available for platforms that want to embed the PGI application flow directly. Buyers can access PGI without leaving your platform at the financing stage of the transaction.
• A named account contact who understands acquisition deal flow. Not a general insurance enquiry line. Someone who knows where PGI fits in a buyer's journey and can support your team on specific transactions.
• Referral compensation available within Canadian insurance referral rules, calibrated to your platform's compliance position and operational model.

PGI is not a deal-completion guarantee, not lender-facing protection, and not a substitute for sound acquisition financing. It addresses the personal exposure a buyer carries when a personal guarantee is attached to acquisition debt. It does not change the lender's underwriting, security position, or recourse rights.

Transaction counsel drafts the personal guarantee language. The client signs it and then asks whether there is any way to cap the personal exposure. Most lawyers have no good answer. Canadian chartered banks do not negotiate the personal guarantee in any meaningful way, and the standard response from counsel is that the guarantee is what it is. PGI is one of the only tools that actually delivers a defined cap on personal exposure without requiring the lender to renegotiate or the guarantor to change the loan documents. Awareness of that option is increasingly part of thorough transaction advice.

Where you sit: M&A counsel, transaction lawyers, share and asset purchase drafting counsel, and financing counsel advising borrower-side clients on acquisitions, expansions, or lending transactions that include a personal guarantee.

What you gain:

• A concrete answer to the question your client will ask: "What can I do about this guarantee?" Most advisors currently have no product-based answer. PGI is one. Knowing it exists, what it covers, and where it applies is part of comprehensive personal guarantee advice.
• A tool that caps client exposure without changing the loan documents. PGI sits beside the transaction. No renegotiation with the lender, no change to the guarantee instrument, no concession required from the other side.
• Better-informed clients at signing. A buyer who understands their exposure is capped by insurance is more likely to proceed with a transaction they would otherwise hesitate on. Deals that stall at the personal guarantee stage are a recurring pattern in acquisition financing.
• Clarity on what PGI does and does not cover, so you can advise accurately. PGI covers a portion of the personal guarantee obligation in defined circumstances. It does not prevent default, does not pay the lender, and does not protect business assets. Clients who understand that distinction are better positioned to make informed decisions.
• A direct line to PGI for technical questions on coverage scope, policy terms, and applicable jurisdiction, without routing through a general broker queue.

PGI does not pay referral compensation to legal counsel. Legal advisors refer clients to PGI on a no-compensation basis. The relationship is grounded in client service, not commercial arrangement. That is the appropriate framing for a lawyer recommending an insurance product: inform the client it exists, explain what it does, and let the client decide whether to pursue it.

CPAs, accountants, wealth managers, and fractional CFOs see personal guarantees on the personal balance sheet and have few good answers when the client asks what to do about them. The guarantee sits there as a contingent liability: material if the business fails, invisible if it does not. Most advisors note it, flag the risk in passing, and move on. PGI gives financial advisors a specific tool to point clients toward, one that transfers part of that contingent personal exposure to an insurer and converts an open-ended risk into a defined cap.

Where you sit: CPAs, chartered accountants, personal wealth advisors, fractional CFOs, and business-financial advisors who work with entrepreneurs across the lifecycle of a business, including at acquisition, expansion, and debt refinancing.

What you gain:

• An answer to the question clients already ask. "What happens to me personally if this business goes wrong?" Personal Guarantee Insurance is a direct response to that question. Advisors who know about it can give a more complete answer than advisors who do not.
• A risk-management recommendation you can make at a natural moment in the advisory relationship. New acquisitions, refinancings, and CSBFP-backed expansions all trigger personal guarantee obligations. Those are the moments when introducing PGI fits without feeling like a product push.
• Improved personal balance sheet hygiene for business-owner clients. A personal guarantee is a contingent liability. PGI gives the client a way to document that part of that liability has been addressed through insurance, which is relevant to personal financial planning.
• No change required to existing advisory structure. PGI operates as a separate insurance product the client purchases directly or through a licensed broker. The financial advisor introduces the concept; PGI handles the application and underwriting.
• Referral compensation available for licensed advisors within Canadian insurance referral rules. For advisors whose licensing does not permit referral compensation for insurance products, PGI can engage on a no-compensation basis.

PGI is not personal financial planning, not wealth insurance, and not a substitute for sound business-risk assessment. It addresses one specific exposure: the personal guarantee attached to a named business obligation. It does not protect against business failure itself, does not cover operating losses, and does not replace the need for a properly structured personal financial plan.