The latest data from Purbeck Personal Guarantee Insurance, the provider of personal guarantee insurance to SME Directors, highlights the resilience of the UK manufacturing sector, despite economic headwinds.
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.
For many SME directors, securing business finance means signing a personal guarantee. Whether you're applying for a business loan, asset finance, or an overdraft facility, lenders often require directors to take personal responsibility for the borrowing.
The growing pressure on SME cashflow.
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London, February 2026 - New data shows a late surge in demand for personal guarantee insurance (PGI) among SME manufacturers in Q4 2025, highlighting growing caution as firms navigated funding decisions at the tail end of the year.
October 2023: As Buy to Let mortgage rates start to fall and the number of landlords securing limited company buy to let mortgages rise, Purbeck Personal Guarantee Insurance is warning Professional Landlords to keep their eyes wide open over the risks of personal guarantees as a condition of the mortgage. Purbeck’s analysis shows the average Limited Company Buy to Let Mortgage was £948k in 2022. So far in 2023, the average Buy to Let Mortgage has shrunk to £895k based on Purbeck’s data.
Business buy-to-let mortgages provide an excellent opportunity for businesses to invest in commercial property, whether to be let to a third party or to be used as premises to trade from.
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For more information or to speak to one of our underwriters contact us today.
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