Personal guarantees are one of the most effective tools for reducing bad-debt risk in B2B trading when they’re used at the right time and framed the right way.

In this episode of Debt Matters, we unpack when a PG makes commercial sense (sectors, deal sizes, and customer risk signals), what a guarantee actually is (and isn’t), why many modern forms pair a guarantee with an indemnity, and how to introduce the ask without spooking good customers.

You’ll leave with a practical roadmap for adding PGs to your credit policy, keeping your file “evidence-ready,” and protecting margins before problems escalate setting up parts 2 and 3 on drafting and enforcement.

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