Which UK lenders do not typically require a personal guarantee?
The answer
6 lenders in Solon's directory state on their own sites that they do not take a personal guarantee, or rarely or typically do not, on the products named. By type, they are 2 asset-based and asset-finance lenders, 1 challenger or specialist bank, 1 platform lender and 2 private-credit funds. Alphabetically, they are Accelerated Payments, BOOST&Co (now Growth Lending), Charity Bank, SME Capital, Sonovate and Wayflyer. Most lenders publish no position: of the 227 lenders in the directory, as read on their own sites on 24 and 25 September 2026, 145 say nothing either way, 43 say it depends on the product or the deal, and 31 say they take one.
Answered by Solon Corporate Finance from the lenders’ own published terms · Last reviewed 27 September 2026
How this list is drawn
A lender appears here only when its own website or published terms say it does not take personal guarantees, or rarely or typically does not, on the products named. Each statement was read on the lender's own site on 24 or 25 September 2026, and the table carries the lender's own qualification. A lender that simply does not mention guarantees is not listed, and any lender can still ask for one on a particular credit.
What to know
A personal guarantee makes the owner liable for the company's debt if the company cannot pay. Smaller facilities and owner-managed borrowers are the most likely to be asked for one. Larger and sponsor-backed facilities often are not, and invoice finance commonly asks the directors for a narrower warranty and indemnity instead.
Where a guarantee is asked for, its amount, any cap and when it falls away are all negotiable. The guide to personal guarantees covers what to push back on.
The lenders6
| Lender | Type | What they lend | Published range | What they publish | Reviewed |
|---|---|---|---|---|---|
| Accelerated Payments | TypeAsset-based · Invoice finance | LendsSelective invoice finance | Range£250k–£10m | What they publishNo personal guarantee or debenture in most cases, on selective invoice finance | ReviewedAug 2026 |
| BOOST&Co (now Growth Lending) | TypePrivate credit · Growth & venture debt | LendsVenture debt term loan, equity warrant (kicker), bridge facility | Range£250k–£15m | What they publishPersonal guarantees rarely required on its term loans | ReviewedJul 2026 |
| Charity Bank | TypeChallenger & specialist · Specialist & niche banks | LendsSecured term loan | Rangeup to £7.5m | What they publishNo personal guarantees from trustees, on loans to charities and social enterprises | ReviewedAug 2026 |
| SME Capital | TypePrivate credit · Unitranche & senior direct | LendsBespoke cashflow term loan | Range£500k–£15m | What they publishTypically no personal guarantee on its cash-flow term loans; a debenture instead | ReviewedJul 2026 |
| Sonovate | TypeAsset-based · Invoice finance | LendsRecruitment / contract / SOW invoice funding | Range£1m–£10m | What they publishNo personal guarantees on its invoice funding | ReviewedJun 2026 |
| Wayflyer | TypePlatform lenders · Platform & marketplace lenders | LendsRevenue-based cash advance / term loan, wholesale financing, scaler | Rangeup to £16m | What they publishNo personal guarantee on any of its UK financing | ReviewedAug 2026 |
A reference list drawn from each lender’s published material, informational and not a ranking or a recommendation. Each name links to the lender’s profile, where the sources are listed.