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What Does Personal Guarantee Insurance Cover?
Personal guarantee insurance is marketed as a safety net for directors who sign guarantees to secure business finance. While it promises to cover much of the debt if the lender demands payment, the terms are stricter and the protection often…
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Profit Is Vanity. Cash Is Sanity: Why Profitable Businesses Still Struggle With Debt
The same optimism that builds a business can sometimes blind you to its financial problems. A business can have a healthy order book, strong sales forecasts and even report a profit, yet still struggle to pay HMRC, employees, lenders and…
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The Scariest Thing Is Facing Debt Alone: What Directors Can Do About Creditor Pressure and Personal Guarantees
There are things that are supposed to scare us at Halloween. Your phone ringing shouldn’t be one of them. Neither should an email landing in your inbox, a letter arriving at your home, or seeing a creditor’s name flash up…
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