Buying a business is one of the fastest ways to grow — you step into an existing operation, inherit customers, and generate revenue from day one. But many entrepreneurs hesitate when they realize what traditional lenders require: a personal guarantee.
That small clause in your loan agreement can have big consequences. It means your personal assets — your savings, home, or investments — could be on the line if your business ever faces challenges.
At Grammont Enterprises, we believe there’s a better way. Through business loans with no personal guarantee, you can secure the funding you need for your next acquisition without risking your personal financial security.
Why Personal Guarantees Can Hold You Back
Banks and traditional lenders rely on personal guarantees to reduce their risk. But for business owners, these guarantees shift all the pressure onto you.
Even if your business is profitable and stable, a guarantee means that your personal credit and assets are at stake — blurring the line between your business and personal life.
That model doesn’t fit the way modern entrepreneurs operate. You deserve funding that’s based on the strength of your business, not your personal collateral.
Private Lending Offers a Better Path
At Grammont Enterprises, we take a different approach. Our private business lending model focuses on:
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Your project’s potential, not just your credit score.
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Cash flow, assets, and performance of the business being acquired.
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Creative deal structuring that fits your goals and timeline.
When we issue business loans with no personal guarantee, it’s because we believe in your deal — and in your ability to make it work.
Our lending network allows us to offer flexible, fast, and fair funding options that help you close acquisitions confidently and quickly.
The 90/10 Funding Advantage
One of our most popular solutions is the 90/10 Funding Model — designed for business buyers who want maximum leverage with minimum risk.
Here’s how it works:
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Grammont Enterprises covers up to 90% of your project cost.
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You contribute the remaining 10% down payment or equity.
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If you don’t have the full 10% available, we can help you source or structure it.
This model helps entrepreneurs buy established businesses without draining their personal finances — and without taking on personal liability.
Flexibility That Banks Can’t Match
Private lending gives you more than just speed — it gives you freedom. You can:
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Fund acquisitions that banks may reject.
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Avoid personal guarantees or collateral-based restrictions.
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Close deals in weeks, not months.
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Work with consultants who help structure deals creatively and efficiently.
We also offer consulting support and funding templates to guide you through the process, ensuring your documentation is complete and your deal moves smoothly.
When Is No-Personal-Guarantee Lending Right for You?
This type of funding is ideal for:
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Entrepreneurs acquiring an existing business.
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Investors pursuing multi-location or franchise expansions.
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Business owners wanting to separate personal and company finances.
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Borrowers with strong business financials but limited collateral.
If your project has solid fundamentals and growth potential, Grammont can help you secure private business funding that aligns with your vision.
The Bottom Line
You don’t need to put your personal assets at risk to achieve your next milestone. With business loans that require no personal guarantee, Grammont Enterprises empowers entrepreneurs to acquire and grow businesses with confidence.
It’s funding that’s smarter, faster, and built around your goals — not the bank’s.