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New data from Purbeck Personal Guarantee Insurance shows a sustained appetite for finance across the construction sector in 2026, despite ongoing economic uncertainty and tight cash flow. Purbeck’s data shows that 17% of all applications for personal guarantee insurance to support business loans were from construction firms during Q2 2026. While this was lower than the exceptional spike seen in Q1 2026, demand remained substantially higher than the same period last year and more than double the level seen in Q2 2025. Construction remains the number one business sector to use Personal Guarantee Insurance.

For many SME directors, signing a personal guarantee is part of securing business finance. Whether the funding is for a business loan, asset finance facility, commercial mortgage or overdraft, lenders often want additional reassurance that the borrowing will be repaid. That reassurance usually comes in the form of a personal guarantee.

New data reveals working capital loans have almost doubled in two years — and for the first time in over a year, start-ups are borrowing more than established businesses

Getting a 'no' from a lender can feel like the end of the road. But for most UK businesses, it's just a detour. With the right preparation, the right lender, and a few avoidable mistakes out of the way, approval rates improve dramatically. Here are ten practical steps to help you get there.

The growing pressure on SME cashflow.

Purbeck Insurance Services has welcomed the Government’s Small Business Protections Bill as an important step towards tackling the damaging impact of late payments on the UK’s small business community. Purbeck is the UK’s only provider of personal guarantee insurance to small and medium sized business owners and directors.

New data shows surge in directors using personal assets to fund their businesses. Construction firms and manufacturers lead the charge.

For many SME directors, signing a personal guarantee is a standard part of securing finance. Whether it’s for a loan, lease, or property agreement, lenders often require individuals to stand behind the business with their own personal assets.

Recent comments from Stuart Machin, the M&S CEO, suggesting that bosses shouldn’t really forget about work while on holiday have reignited a familiar debate: should leaders ever truly switch off?

London, April 2026 As Stress Awareness Monthⁱ⁾ shines a spotlight on mental wellbeing this April, Purbeck Insurance Services a specialist provider of Personal Guarantee Insurance to SME owners and directors has partnered with Andy’s Man Club, a UK-wide men’s suicide prevention charity that provides free peer-to-peer support groups and online sessions. Andy’s Man Club is committed to ending the stigma surrounding men’s mental health through the power of conversation, under its message: #ITSOKAYTOTALK. Purbeck will donate £5 from every Personal Guarantee Insurance policy sold to support the charity’s work.