Vesting Equity and Personal Guarantee Thresholds - Best Practices

Hey all, I am structuring an acquisition and want to stay under 20% ownership for lender personal guarantee purposes - I am an international that hasn't built up to the required credit history for PG, but with a very strong personal experience/background needed by lenders. I'm slated for 25% common equity vesting in three tranches: 8.3% at acquisition, 8.3% over time, 8.3% based on IRR. My questions: 1. Do lenders only count the equity vested at acquisition (8.3%) for PG calculations, or the full 25%? 2. Best legally acceptable ways to structure future vesting (time/performance) so it doesn't trigger PG thresholds. 3. Are there financial institutions that require under 25% ownerships vs 20% - how do I look out for them?