Episode 11 – Personal Guarantees in MSME Loans: What They Really Mean for You

Most MSME promoters sign personal guarantees (PGs) casually. But did you know this one signature could tie your personal house, savings, and even future income to your company’s loan?

In this episode of Smart Credit Bytes, I uncover:
- What a personal guarantee really means in MSME lending- Why banks insist on PGs and how they enforce them
- The risks borrowers don’t see — unlimited liability, continuing guarantees, and court cases
- Real-life stories where PGs changed everything- A promoter’s checklist to manage PGs wisely

Whether you’re an MSME owner or a credit officer, this episode is a must-listen to understand the weight of personal guarantees in loan agreements.

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Keywords: personal guarantee, MSME loans, banking risks, promoter liability, borrower checklist, unlimited guarantee, continuing guarantee