Banking Exposure
Banking & Guarantees
Most owners cannot say precisely how much they are personally liable for. The first step is knowing. The second is reducing it.
Contact us: geral@intuitionconsulting.net
Can a personal guarantee to a bank be released?
It can, but not automatically: a guarantee ends by agreement with the bank or when the loan is repaid. In practice release happens in three situations — improved company metrics with alternative security offered, refinancing with another institution, or a reorganization or sale that changes the risk. The starting point is always a full inventory of contracts, amounts and clauses.
Who this is for
- Shareholders with guarantees across several contracts and no consolidated view
- Companies with covenants restricting dividends or reorganizations
- Groups preparing a sale, where guarantees must be unwound
- Owners separating personal wealth from company risk
Signs you need this
- You cannot total what you have personally guaranteed
- You signed years ago and never revisited the contract
- The bank refuses a transaction and the blocking clause is unclear
- A covenant blocks dividend distribution
- A restructuring is stalled awaiting bank consent
What we deliver
Guarantee map
Every contract, guarantee, mortgage and pledge with amounts, terms and liable parties.
Covenant analysis
Which clauses limit distributions, disposals, reorganizations or new shareholders.
Negotiation roadmap
What to ask each bank, in what order, with what arguments and alternative security.
Consent management
Preparation and conduct of the consents required for corporate transactions.
How we work
Contract review
We collect and read every financing contract and its security.
Quantification
We calculate effective personal exposure and its time profile.
Strategy
What is negotiable now, what requires better metrics, what needs refinancing.
Negotiation
We prepare the file and support the meetings with the institutions.
What changes at the end
Frequently Asked Questions