Personal Guarantee Releases

Reduce personal exposure tied to MCA repayment terms.

Since 2022 – Hundreds of Guarantee Terms Reviewed

We help business owners review MCA personal guarantees, repayment pressure, and options for limiting personal exposure.

35 + Years in MCA Negotiations

Our team reviews contract language, payment history, hardship details, and funder positions before requesting revised terms.

Strong Network of MCA Funders

We work directly with MCA funders to request personal guarantee changes based on account status and repayment options.

Separate your MCA from personal liability where terms allow

Many merchant cash advance agreements include a personal guarantee, which may make an owner personally responsible if the business defaults. A personal guarantee release is a written amendment that may limit or remove that personal obligation when the funder agrees to revised terms.

Book a Request An Appointment today and review whether your MCA agreement may qualify for a personal guarantee release.

Why Personal Guarantees Are Risky

A personal guarantee can expose personal assets or accounts if the business falls behind and the funder enforces the agreement.

Legal Costs Escalate Quickly

Disputes over personal liability may lead to attorney fees, collection pressure, and time away from business operations

Release Terms May Reduce Personal Exposure

A written release may help limit personal liability while the business works through revised repayment terms.

Why Sticking with a PG Can Backfire

Many owners sign MCA agreements quickly and only understand the personal guarantee when payment issues begin.

What to Watch Out For

Personal Asset Risk

A funder may pursue personal assets if the guarantee is enforceable and the business defaults.

Bank‑Account Levies

Personal accounts may be at risk if a judgment or other enforcement action is entered.

Credit Impact

Credit impact depends on reporting, legal activity, account status, and how the matter is resolved.

Long Term Stress

Unresolved personal liability can make business decisions harder during already tight cash-flow periods.

How We Break the Chain

We Pause Legal Pressure First

We contact funders to request a standstill while release options and repayment terms are reviewed.

We Build a Proof‑of‑Performance Case

Payment history, bank records, and cash-flow details help explain why revised terms may support repayment.

We Negotiate Clear Release Terms

Options may include a revised schedule, structured payment, settlement term, or business-only repayment agreement.

We File & Verify

Written releases, term changes, and related documents are reviewed so the agreed terms are clear.

Our 4‑Step PG‑Release Process

Here’s how we review your MCA position and work toward clearer personal liability terms

01.

Free Debt Assessment

We review the MCA agreement, guarantee language, payment history, and personal-risk terms.

01.

Funders Contacted

We contact funders and present a release request supported by account and repayment data.

02.

03.

Release Secured

Where approved, the funder signs written terms and any revised repayment structure takes effect.

01.

You Move Forward With Support

We help review documents, track compliance, and confirm agreed changes are followed.

04.

Benefits of a Personal Guarantee Release

A personal guarantee release may reduce owner-level risk by changing how personal liability applies to the MCA agreement

Personal Asset Protection

A valid release may limit the funder’s ability to pursue personal assets under the original guarantee.

Clearer Credit Risk

Written terms can clarify how the account will be handled and what obligations remain.

Better Decision-Making

Reducing personal exposure can help owners focus on repayment, operations, and next steps

Ready to Drop Your Personal Liability?

Book A Call

Personal‑Guarantee  Release FAQs

Five questions business owners often ask before seeking a personal guarantee release

Can a personal guarantee really be removed?

It may be removed or limited if the funder agrees to a written release or revised repayment terms.

Will removing the PG increase my factor rate?

Do I have to pledge collateral to replace the guarantee?

Does the release cover future advances?

How long does a PG release stay valid?

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Personal Guarantee Releases