Sometimes, but you can't tell in advance. We have not found a published rule on personal guarantees (PGs) from the UK invoice finance lenders we compare. Each one decides case by case, so the only way to find out is to ask for it in writing when you get quotes. Market Invoice compares the UK providers that fit this need, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.
What this page covers
This page covers
Whether UK invoice finance lenders publish a personal guarantee policy, what a guarantee means, and what to ask for
Not covered here
General provider comparison (see /compare/)
What lenders publish about personal guarantees
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| IGF (Independent Growth Finance) | £5m | Up to 90% (receivables); stock up to 85%, plant up to 75% | igfgroup.com |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Skipton Business Finance | None published | Up to 90% | skiptonbusinessfinance.co.uk |
| Aldermore Invoice Finance | £750k | Up to 90% | aldermore.co.uk |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
None of these lenders sets out a personal guarantee policy on the product pages we check for its figures. Our own record for Bibby notes a guarantee is standard for smaller facilities. Treat that as our view, not Bibby's rule, and ask each lender directly.
What a personal guarantee means
A personal guarantee means you personally promise to pay the lender if the company can't. If the company fails and still owes the lender money, the lender can come after you for it. That can put your own assets, including your home, at risk.
With invoice finance, the lender is also repaid when your customers pay their invoices. So how much a guarantee could cost you depends on how much of the money owed the lender can collect from your customers. Read the guarantee carefully and take legal advice before you sign it. Our guide to debentures and personal guarantees explains both.
What to ask for
- No guarantee at all. Ask each lender if it will offer the facility without one. If your customers are large, well-known businesses or public bodies, say so.
- A capped guarantee. If a lender wants a guarantee, ask for a fixed limit rather than an unlimited one.
- A debenture instead. A debenture is a charge over the company's assets, not yours. Many lenders take one anyway. Ask if it can replace the personal guarantee.
- Quotes from more than one lender. If one lender offers better guarantee terms, you can ask the others to match them.
- A way to remove it later. Ask whether the guarantee can be released after a period of trading, and get the conditions in writing.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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