News

The growing pressure on SME cashflow.

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.

For many SME directors, signing a personal guarantee is just a part of doing business. Whether securing finance, leasing premises, or refinancing property, lenders often require directors to put personal assets on the line to move things forward.

Headline Figures:

June 2021: The personal financial risk of becoming a personal guarantor for a business loan has become a fact of life for 1 in 3 small business owners but it’s also a secret for 1 in 5. This is according to a new survey of 1000 SME business owners and directors^[i] by Purbeck Personal Guarantee Insurance, provider of the UK’s only Personal Guarantee Insurance.

• We recently interviewed 500 SME business owners and here is what they had to say...

In response to rising business insolvencies and trade credit insurance payouts at their highest since 2009 - Purbeck offers SME survival tips. 

UK Finance, the banking industry trade body, has held discussions with leading business group to discuss the provision of emergency Brexit advice to small and medium sized businesses. Part of their mission is to reassure the SME community that banks will retain the capacity to lend and not tighten the availability of credit. They also plan to outline alternative finance options available to SMEs. 

We are delighted to announce our partnership with FSB Insurance Service

It’s often the case of David v Goliath for many small businesses when it comes to dealing with large firms and their supplier payment cycles.