Is the personal guarantee calculator legal or financial advice?

No. This calculator is for educational purposes only. Consult your attorney, CPA, and lender before making decisions about your personal guarantee.

What is Personal Guarantee Insurance?

Personal Guarantee Insurance may reimburse covered personal losses if a personal guarantee is enforced, subject to underwriting, exclusions, limits, and policy terms. Ink is building this product starting with SBA 7(a) borrowers.

What data does the calculator collect?

If you choose to email yourself the report, Ink collects your email and the inputs you provided. Ink does not sell your data.

Estimate your personal guarantee exposure

Your loan amount is only the starting point. This calculator estimates how business recovery, personal assets, state considerations, and loan structure may affect your net personal exposure under a personal guarantee.

Walk through five sections — loan details, business recovery estimate, personal balance sheet, spouse and state questions, and your estimated exposure — in about three minutes. Use your own numbers or sample numbers to see how the calculator works.

What the calculator covers

Loan details — amount, type, state, closing timeline
Business recovery — what the business might be worth in a bad outcome
Personal balance sheet — assets that could matter under a personal guarantee
Spouse, state, and title — how signatures, asset titling, and state law affect exposure
Your exposure estimate — estimated personal deficiency and share of assets at risk

How it works

The calculator takes your loan amount, subtracts estimated business recovery, and shows the potential personal deficiency. It then applies binary exemptions — retirement assets are treated as fully exempt, and home equity is exempt in strong-homestead states or when tenancy-by-the-entirety protections apply.

The result is an educational estimate, not a prediction. It does not determine coverage eligibility. It is not legal, tax, or financial advice.

Frequently asked questions

Is this legal or financial advice?: No. This calculator is for educational purposes only. Consult your attorney, CPA, and lender before making decisions.
What data do you collect?: If you choose to email yourself the report, we collect your email and the inputs you provided. We do not sell your data.
What is Personal Guarantee Insurance?: It may reimburse covered personal losses if a personal guarantee is enforced, subject to underwriting, exclusions, limits, and policy terms. Learn more about PGI.

This calculator is for educational purposes only. It does not provide legal, tax, financial, or insurance advice. It does not determine coverage eligibility. Ink is pre-launch and coverage is not yet commercially available.