SBA loans require every investor who owns more than 20% to sign a personal guarantee. Unfortunately, this is a non-starter for many investors. Are there any ways to legally structure around the 20% rule?

Some ideas:
1. Investor receives 30% but splits it between himself and his wife, so 15% each on the cap table.
2. Investors receives an option or a warrant
3. Agreement between searcher and investor that says the investor can purchase a certain number of shares from the searcher at a pre-set price at a later point

I'm not trying to do anything illegal or unethical, but want to understand what potential structuring options are.