Business growth takes smart decisions — and one of the smartest is how you fund it.
Traditional banks often require a personal guarantee, meaning that if your business can’t repay the loan, you’re personally responsible. Your home, savings, or other assets could be at risk.
At Grammont Enterprises, we believe in funding that fuels opportunity, not anxiety. Our business loans with no personal guarantee give entrepreneurs the freedom to grow — without risking everything they’ve worked for.
What Is a Personal Guarantee — and Why It Matters
A personal guarantee is a promise that you’ll personally repay your business loan if your company cannot. It’s a standard requirement for most bank and SBA loans.
This guarantee can expose you to:
• Loss of personal assets if your business struggles
• Lower personal credit scores in the event of default
• Significant financial stress during business downturns
Many successful business owners prefer alternatives that separate business liability from personal responsibility — and that’s where private business loans come in.
(External Resource: U.S. Small Business Administration – Understanding Personal Guarantees)
How Private Business Loans Eliminate the Personal Guarantee Requirement
Private lenders evaluate risk differently. Instead of relying on your personal balance sheet, they look at your business plan, assets, and cash flow potential.
At Grammont Enterprises, we focus on the opportunity — not the paperwork. Our private business funding solutions are:
• Fast: Approvals in days, not months
• Flexible: Terms based on business viability, not just credit score
• Secure: Your personal assets remain protected
This approach allows you to fund growth confidently, knowing your personal finances stay separate from your company’s obligations.
Who Can Benefit from No-Personal-Guarantee Funding
This type of financing is ideal for:
• Established businesses with proven revenue streams
• Companies with valuable equipment, contracts, or real estate assets
• Entrepreneurs pursuing acquisitions or expansion opportunities
• Business owners seeking to refinance or consolidate existing debt
Our clients range from professional service firms and real estate investors to manufacturers and franchise owners — all looking to expand strategically without putting their personal finances on the line.
Funding That Works for Real-World Growth
With Grammont’s private lending programs, funding can be used for:
• Acquiring or expanding a business
• Refinancing high-cost debt
• Purchasing equipment or inventory
• Expanding facilities or operations
We’ve helped clients nationwide access capital that traditional lenders couldn’t provide — through structured private funding designed around their growth plans.
Learn more about our flexible options on our Funding Options page.
The 90/10 Funding Advantage
One of Grammont’s most popular programs, the 90/10 Funding Model, offers a unique way to secure large-scale funding without a personal guarantee.
Here’s how it works:
• Your loan covers up to 90% of your project cost
• You contribute the remaining 10%
• If your full 10% isn’t immediately available, we can help structure or source it
This model allows you to preserve working capital, minimize personal risk, and access growth funding at scale.
A Real Example: Funding Without Personal Risk
One of our clients, a growing service-based company, had been denied traditional funding because they refused to sign a personal guarantee.
Within weeks, Grammont Enterprises structured a private loan under our 90/10 model. The funding covered expansion costs, new equipment, and operating capital — without any personal assets at stake.
The result? They doubled capacity and entered a new market — while keeping personal and business finances completely separate.
Preparing for Approval
Getting approved for a no-personal-guarantee loan starts with being prepared. Here’s what helps:
• Strong business plan with defined revenue goals
• Clear documentation of business performance or projections
• Well-organized financials showing repayment capability
To make it easy, download our Funding Checklist — it walks you through what to prepare before applying.
Why Choose Grammont Enterprises
When speed, flexibility, and security matter, Grammont Enterprises stands out. We help clients:
• Avoid unnecessary personal liability
• Secure capital faster than traditional lenders
• Build financing that aligns with long-term strategy
Every loan we structure is designed to protect your business — and your peace of mind.
Final Call to Action
You’ve built your business with care — now grow it confidently.
If you’re ready to explore private business loans with no personal guarantee, book a Funding Strategy Session today.
Let’s create a funding strategy that supports your vision and safeguards what matters most.