{"id":4460,"date":"2026-07-03T12:39:19","date_gmt":"2026-07-03T09:39:19","guid":{"rendered":"https:\/\/konkretiarahoitus.fi\/?p=4460"},"modified":"2026-07-03T12:39:22","modified_gmt":"2026-07-03T09:39:22","slug":"henkilotakaus-yritysrahoituksessa-milloin-ja-miksi-sita-vaaditaan","status":"publish","type":"post","link":"https:\/\/konkretiarahoitus.fi\/en\/henkilotakaus-yritysrahoituksessa-milloin-ja-miksi-sita-vaaditaan","title":{"rendered":"Personal guarantee in business financing: when is it required and why?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4460\" class=\"elementor elementor-4460\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2a8a10 e-flex e-con-boxed e-con e-parent\" data-id=\"c2a8a10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c00177 elementor-widget elementor-widget-heading\" data-id=\"2c00177\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personal guarantee in business financing: when is it required and why?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3a5604 e-flex e-con-boxed e-con e-parent\" data-id=\"e3a5604\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e493e97 elementor-widget elementor-widget-text-editor\" data-id=\"e493e97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">When applying for a business loan, a lender may require a personal guarantee. If that happens, it is important to understand what a personal guarantee means in practice and what responsibilities it creates.<\/p><p class=\"p1\">A personal guarantee is often required for young businesses or companies with limited collateral. Understanding when lenders ask for one and how it may affect your personal finances can help you make informed decisions.<\/p><h5 class=\"p1\"><strong>What is a personal guarantee?<\/strong><\/h5><p class=\"p1\">A personal guarantee means that a business owner or another private individual agrees to be personally responsible for a business loan. If the business cannot repay the loan, the guarantor becomes responsible for the outstanding debt. Depending on the terms of the agreement, this could involve personal savings, salary income or, in some cases, other personal assets.<\/p><p class=\"p1\">For this reason, a personal guarantee is a significant financial commitment that can have a direct impact on your personal finances.<\/p><h5 class=\"p1\"><strong>When do lenders usually require a personal guarantee?<\/strong><\/h5><p class=\"p1\">A lender may ask for a personal guarantee when:<\/p><ul><li class=\"p1\">the business does not have sufficient collateral<\/li><li class=\"p1\">the loan amount is large compared to the size of the business<\/li><li class=\"p1\">the business is new or operates in an industry that is considered higher risk than average<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd5380e e-flex e-con-boxed e-con e-parent\" data-id=\"fd5380e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef59083 elementor-mobile-align-justify elementor-align-center elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"ef59083\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiarahoitus.fi\/en\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Henkil\u00f6takaus yritysrahoituksessa: milloin ja miksi sit\u00e4 vaaditaan? Yrityslainaa hakiessa rahoittaja saattaa edellytt\u00e4\u00e4 henkil\u00f6takausta. Silloin on olennaista hahmottaa, mit\u00e4 takaus k\u00e4yt\u00e4nn\u00f6ss\u00e4 tarkoittaa ja mihin kaikkeen oma nimi paperissa sitoo. Erityisesti nuorilla yrityksill\u00e4 tai rajallisten vakuuksien tilanteessa henkil\u00f6takaus voi olla rahoituksen edellytys, joten on t\u00e4rke\u00e4\u00e4 tunnistaa, milloin sit\u00e4 pyydet\u00e4\u00e4n ja mit\u00e4 se merkitsee yritt\u00e4j\u00e4n omalle taloudelle. Mik\u00e4 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[373,379,374,377,383,387,285,348,376,162,382,390,388,264,218,386,391,266,385,240,138,372,389,137,378,375,381,384,364,380,159],"class_list":["post-4460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-henkilotakaaja","tag-henkilotakaus","tag-henkilotakaus-yrityslainassa","tag-henkilotakaus-yritysrahoituksessa","tag-investointilaina","tag-pk-yrityksen-rahoitus","tag-rahoittaja","tag-rahoituksen-kilpailutus","tag-takaus","tag-tililimiitti","tag-yrittajan-henkilokohtainen-vastuu","tag-yrittajan-vastuu","tag-yrityksen-investointi","tag-yrityksen-kassavirta","tag-yrityksen-kasvu","tag-yrityksen-kayttopaaoma","tag-yrityksen-laina","tag-yrityksen-maksuvalmius","tag-yrityksen-rahoituksen-kilpailutus","tag-yrityksen-rahoitus","tag-yrityksen-rahoitusratkaisut","tag-yrityksen-vakuudet","tag-yrityksen-vakuus","tag-yrityslaina","tag-yrityslainan-takaus","tag-yrityslainan-vakuudet","tag-yritysluotto","tag-yritysrahoituksen-ehdot","tag-yritysrahoituksen-vaihtoehdot","tag-yritysrahoituksen-vakuudet","tag-yritysrahoitus"],"_links":{"self":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/comments?post=4460"}],"version-history":[{"count":7,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4460\/revisions"}],"predecessor-version":[{"id":4472,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/posts\/4460\/revisions\/4472"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media\/4461"}],"wp:attachment":[{"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/media?parent=4460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/categories?post=4460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiarahoitus.fi\/en\/wp-json\/wp\/v2\/tags?post=4460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}