^redacted‌, Non-biased opinion - I have found ^redacted‌ to be the most active in face-to-face guidance on how to achieve funding through SBA. (of course ^redacted‌, but that goes without saying.)

Maybe also important to note that "despite the personal risks inherent in the Personal Guarantee, there is also an upside. The lending risk is lower for the bank so the interest rate is lower than they could otherwise offer, thus lowering your payment, increasing cashflow, decreasing operating risk.." - from a family office in Houston.

Best of luck on your search efforts. - JC

thanks Brad, clear, if you don't mind I'll ask my next question here, so other can benefit....so if PG is unavoidable, what exactly does that mean from a legal standpoint? will filling for bankruptcy protect any of the assets?

Asking all these, since my wife is super-reluctant about a PG, and need to understand what are my options...thanks again