Launching Summer 2026

Personal Guarantee Insurance

Ink helps business owners understand and insure eligible personal losses tied to a personal guarantee.

Starting with SBA 7(a) borrowers.

We value your privacy and only use your email to send product updates you've requested. This product is in development and subject to change.

Or book a call →
Three weights

How a business loan becomes personal

Most business risks have insurance. The personal guarantee often does not. Ink exists for that gap.

i. The loan

Business debt starts with the company

The business borrows to acquire, operate, or grow. Repayment is expected from business cash flow, collateral, and recovery value.

ii. The guarantee

The borrower signs the guarantee

The guarantee puts the borrower behind the loan. If the business cannot repay, the obligation can continue after closing.

iii. The exposure

Personal assets may be exposed

If business recovery falls short, the lender may pursue the guarantor personally, including savings, investments, home equity, or other non-exempt assets.

Run the numbers

Evaluate your personal exposure in minutes

Walk through your loan, business recovery estimate, personal balance sheet, and state — then see your estimated net PG exposure range, with the assumptions and questions to ask before you sign.

Open the calculator →
Preview Screenshot of the Personal Guarantee Exposure calculator, showing the first step’s loan details form and live exposure estimate.
What Ink does

Insurance for eligible personal guarantee exposure

Personal Guarantee Insurance is borrower-side insurance for eligible personal losses if a personal guarantee is enforced. If coverage is available and bound, the policy may cover personal losses, subject to underwriting, exclusions, limits, and policy terms.

i.

Built for personal guarantee risk

Ink focuses on the personal financial exposure created when a borrower signs a guarantee. Not a workaround. Not credit enhancement. A borrower-side policy.

ii.

Starting with SBA 7(a) borrowers

SBA 7(a) loans are the initial market with all loans requiring a personal guarantee. Ink will expand to other types of loans and leases over time.

iii.

Designed to run alongside the loan process

Ink's process is built to fit around lender timelines, borrower diligence, and closing deadlines without changing loan requirements.

How it works

A simple process before you sign

Ink moves in parallel with your loan process and can be quoted before closing, or up to 180 days after you close.

Step 01

Share your deal details

Start with the loan, business, borrower, and personal guarantee structure.

Step 02

Estimate your exposure

Think through gross loan amount, business recovery, personal assets, and state considerations.

Step 03

Review eligibility

Coverage depends on underwriting, state availability, program rules, and policy terms.

Step 04

Decide before closing

Eligible borrowers may receive coverage options before closing or during the applicable underwriting window.

Book a call → See how it works

Ink does not remove the guarantee

Personal Guarantee Insurance is separate borrower-side insurance. It does not modify the guarantee, replace lender underwriting, change collateral requirements, or act as credit enhancement.

It is private insurance built around the borrower's downside — designed to live alongside the loan, not inside it.

Read common questions →

Who it is for

For borrowers who want to understand the downside before they sign

Eligibility · Likely a fit
  • You are signing a personal guarantee on a business loan
  • You are using SBA 7(a) financing
  • You are buying or operating a business with personal exposure
  • You have personal assets you need to protect
  • Your spouse or family is asking what happens if the business fails
Eligibility · Probably not a fit
  • You are not personally guaranteeing the loan
  • You are looking for coverage after a known default
  • You want to avoid lender or SBA requirements
  • You only need legal, tax, or asset-protection advice
  • It’s been more than 180 days since your loan origination
Trust & underwriting

Built with insurance discipline

Personal Guarantee Insurance only works if the promise is narrow, priced carefully, and supported by real underwriting.

Ink is building PGI around actuarial review, state-by-state availability, policy language, claims discipline, and licensed insurance infrastructure.

  • Actuarial led in house by Devyn McNicoll, ACAS, CSPA, MAAA.
State availability

Launching by state

Ink is launching in 30 states first, with more to follow. Eligibility depends on the state where you live, plus underwriting and policy terms.

Initial launch states, alphabetical:

Alabama Arizona Arkansas Colorado Georgia Hawaii Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Michigan Minnesota Missouri Nevada New Jersey North Carolina Ohio Oklahoma Oregon Pennsylvania South Carolina Tennessee Texas Utah Virginia Washington Wisconsin
Request availability

Don't see your state?

Tell us where you are and when you expect to sign. State expansion is informed by demand.

Requesting availability is not an application for insurance and does not create coverage. We value your privacy and only use your email to send product updates you've requested.

Venture capital backed
Before closing

Before you sign, talk through the downside

The personal guarantee deserves its own conversation.

Book a call → Estimate my PG exposure