Launching Q2 2026

Personal Guarantee Insurance for SBA acquisitions

For the people bold enough to bet on themselves

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The weight of the guarantee

$0

Average SBA Acquisition Loan

Deals are growing larger and more competitive every year

Unlimited

Your Personal Liability

Not capped. Everything you own is on the line

0%

Default Rate

Of SBA borrowers default. It's the risk nobody talks about at the closing table

Your spouse didn't sign up to bet the house when you decided to buy a business. Now they don't have to

What changes when you have Ink

$5M

Aligns coverage up to the SBA loan maximum

Your policy covers a significant portion of your personal guarantee obligation. If the business defaults, your home, savings, and personal investments have a backstop.

SBA-Specific Underwriting

We only underwrite acquisitions

Our models are built on SBA 7(a) deal data. We understand seller notes, working capital adjustments, and DSCR requirements because that's all we do.

Built for Your Timeline

Coverage that doesn't slow your closing

Apply after your lender approves you, using the same materials from your SBA application. Get quoted and bind coverage before closing. No redundant paperwork

The path to true ownership

A streamlined underwriting process built for the speed of modern deals

1. Get Approved by Your Lender

Go through the SBA lending process as normal. Once your lender approves you, apply to Ink using the same materials from your loan application.

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2. Underwriting

Our underwriting team reviews your deal specifics — combining credit analysis, behavioral risk modeling, and deep acquisition expertise.

3. Review & Bind

Review your policy terms, sign digitally, and bind coverage before your closing date.

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4. Close Your Deal

Hand your evidence of coverage to your lender and close your acquisition

Every deal is different.
Let's talk about yours

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Built by the team behind EBIT

We've acquired a small business. We've built insurance products before. We spent the last two years sharing insights with the searcher community for free through EBIT Community, one of the largest newsletters for business buyers in America. We built Ink because it's the product we wished existed when we were on the other side of the closing table.

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Common Questions

It's a policy that protects your personal assets — your home, savings, and investments — if the business you acquire with an SBA loan defaults on the debt. Instead of the lender pursuing your personal assets for the full deficiency, you're covered for a significant portion of your guarantee obligation.
The SBA requires a personal guarantee from owners with 20%+ equity. Personal Guarantee Insurance is a separate, private policy that protects your assets if that guarantee is called upon. It doesn't modify or replace the guarantee itself.
Pricing depends on your loan amount, the business you're acquiring, and your personal financial profile. Book a call with our team and we'll walk you through what to expect for your specific deal.
After your SBA lender has approved your loan. You'll apply to Ink using the same materials from your lending application, so there's no redundant paperwork. The earlier you engage after approval, the more seamlessly coverage fits into your closing timeline.
If your business defaults on its SBA loan, you file a claim with Ink. The business then goes through bankruptcy and its assets are liquidated. Once the lender enforces your personal guarantee for the remaining balance, your policy pays out up to the limit you selected, protecting your personal assets from the gap between what the business recovered and what you still owe.

Protect you and your family's assets

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