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thank you for watching this the first of our series of short videos on the subject of personal guarantees uh in this video were going to consider the topic of what is covered by your personal guarantee what does your personal guarantee include a personal guarantee is an agreement between you lets say as a director or shareholder of a business and a lender where you agree to pay the debts of the business if the business cant do it or when to do it and personal guarantees can arise in a number of circumstances they can arise in connection with business loans overdrafts leases asset finance number of circumstances so what does your personal guarantee include well the first thing that any good lawyer will do is take the demand that you receive for payment and check that the scope of the demand matches that which you have guaranteed in your personal guarantee now the starting point for this is to look at the contracts and i say the contracts because theres usually two contracts not alwa