Is there any way to structure a SBA 7(a) loan without a personal guarantee?

November 11, 2025

by a searcher from Harvard University - Harvard Business School in Short Hills, Millburn, NJ, USA

I am sure this has been asked before, but I am open to any and all creative or successful suggestions.

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Reply by a professional
from University of Michigan in Detroit, MI, USA

HI ^redacted‌, in short, no. And even if you pursue conventional financing, you'll likely have to put up a PG. Instead of fighting the PG, you should focus on mitigating risks. First and foremost, find the right business to buy. Conduct a thorough diligence process. And structure the deal to work in your favor (e.g., some component of the purchase price should be deferred and contingent on your success). Happy to discuss further if helpful. Feel free to reach out at redacted

Reply by a searcher
from Harvard University in San Francisco, CA, USA

This is a good question. My understanding is that all have a PG.

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