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One in Three SME Loans Put Owners’ Homes On The Line

Across the UK, (SME) owners, the driving forces behind the economy, are taking huge personal financial risks to keep their businesses afloat.

JBy Jessica GrantNov 06, 20252 min read

Across the UK, (SME) owners, the driving forces behind the economy, are taking huge personal financial risks to keep their businesses afloat.

New research by Purbeck Insurance Services shows that 1 in 3 business loans now need a personal guarantee, meaning founders are basically betting their personal assets, often their homes, simply to secure capital.

With 36% of these loans being used just to help businesses operate as normal, industry leaders are lobbying for Rachel Reeves to avoid any measures that would push up those operating costs even more, increasing the burden on founders who already have personal assets on the line.

The study also found that the average personal-guarantee backed loan has grown to nearly £180,000 – a 16% increase year on year. In young businesses under two years old, the average loan value has risen 52% to £165k in the past year.

Across the UK, (SME) owners, the driving forces behind the economy, are taking huge personal financial risks to keep their businesses afloat.
Jessica Grant · Thehackingpost

For founders with limited savings and cash flow that goes up and down, the loan they need to take out just to keep the business running comes with a huge personal gamble.

“Personal guarantees are now a structural feature of SME lending. When a loan is primarily to keep a business ticking over, the director who has given that guarantee faces heightened risk—especially as the cost of doing business continues to rise.” says Todd Davison, Managing Director of Purbeck Insurance Services

The UK’s 5.5 million SMEs really are the backbone of the UK economy, employing 16.6 million people and generating £2.8 trillion in turnover. The problem is more needs to be done to help protect them financially, especially as they continue to take on big approaches, SME business owners will be looking to see how Rachel Reeves can provide some relief. Ultimately the question becomes: do we want founders to build companies? and if so, are we comfortable with them betting their houses on them?

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Based on reporting by techround.co.uk.

AI transparency. This article was produced with the assistance of artificial intelligence and published under human editorial oversight. AI systems can make mistakes. Read how we use AI (EU AI Act, Art. 50).
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