Personal Guaranty Exposure Calculator: How Much Are You Really On the Hook For?
Model your maximum personal exposure under a limited vs. unlimited guaranty—and see how joint & several liability changes the math.
Reviewing the actual guaranty? Start with the personal guaranty review pillar to surface the clauses that expand exposure.
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How to use this personal guaranty calculator
- Enter the total obligation your guaranty backs (the lease liability, loan, or line of credit).
- Choose unlimited or limited—if limited, enter the dollar cap from the guaranty.
- Set the number of guarantors and whether liability is joint & several, then read your maximum exposure.
For the most reliable estimate, pull the exact figures and definitions from the signed guaranty itself—not the term sheet.
What expands personal guaranty exposure
- Joint & several: The creditor can collect 100% from you alone, then you chase co-guarantors.
- Unlimited / continuing: No dollar cap; covers obligations "now or hereafter" arising.
- Add-ons: Late fees, default interest, and attorneys' fees stack on top of principal.
- Waivers: Waiving defenses, notice, or the right to require the creditor to pursue the business first.
- No burn-off: Liability never reduces over time or after milestones.
Not sure whether to pay for a lawyer? See attorney vs. AI guaranty review.
Personal guaranty calculator FAQs
BizLeaseCheck provides informational analysis and is not legal advice.