{"id":9499,"date":"2026-05-11T11:29:32","date_gmt":"2026-05-11T11:29:32","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9499"},"modified":"2026-05-11T13:45:51","modified_gmt":"2026-05-11T13:45:51","slug":"las-garantias-personales-y-los-alquileres-comerciales-atrasados-son-directores-de-riesgo","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/es\/perspectivas\/las-garantias-personales-y-los-alquileres-comerciales-atrasados-son-directores-de-riesgo\/","title":{"rendered":"Garant\u00edas personales y retrasos en el pago de alquileres comerciales: \u00bfEst\u00e1n en peligro los administradores?\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In the <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-mercantil\/litigios-comerciales\/litigios-sobre-propiedad-comercial\/\">propiedad comercial<\/a> sector, the &#8220;corporate veil&#8221; is often thinner than directors realise. While a <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/guia-para-preparar-la-venta-de-sus-acciones-en-una-sociedad-de-responsabilidad-limitada-especialmente-cuando-se-plantea-vender-acciones\/\">limited company<\/a> provides a shield for many <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/contratos-comerciales-qa\/\">business<\/a> activities, landlords&nbsp;often&nbsp;require&nbsp;a&nbsp;<strong>Garant\u00eda personal (PG)&nbsp;<\/strong>from company directors \/ suitable guarantors&nbsp;as a condition of the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/incumplimiento-de-un-contrato-de-arrendamiento-comercial-cuidado-con-renunciar-al-derecho-de-caducidad\/\">lease<\/a>. This document&nbsp;provides&nbsp;a very powerful&nbsp;tool for landlords, linking the director\u2019s personal wealth\u2014including their home and savings\u2014directly to&nbsp;compliance with all the terms of the lease.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As&nbsp;a <a href=\"https:\/\/rfblegal.co.uk\/es\/etiqueta\/senior-partner\/\">Senior<\/a> <a href=\"https:\/\/rfblegal.co.uk\/es\/etiqueta\/litigation-team-br\/\">Litigios<\/a> Partner at&nbsp;Ronald Fletcher Baker LLP,&nbsp;I see firsthand how these guarantees transform a <a href=\"https:\/\/rfblegal.co.uk\/es\/categoria\/corporativo\/\">corporate<\/a> setback into a personal crisis. When <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/que-hacer-si-su-inquilino-comercial-no-paga-el-alquiler\/\">rent arrears<\/a> mount, the director is not just a witness; they are often the landlord\u2019s primary target for recovery.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La realidad jur\u00eddica:&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A common misconception among directors is that a <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/guia-del-arrendador-de-locales-comerciales-constituye-la-aceptacion-del-alquiler-por-un-agente-una-renuncia-al-derecho-de-caducidad\/\">landlord<\/a> must &#8220;exhaust&#8221; the company\u2019s assets before turning to the guarantor.&nbsp;In reality, most&nbsp;commercial PGs are drafted so that the&nbsp;guarantor guarantees to the Landlord, as principal or primary obligor,&nbsp;that the Tenant <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/puede-un-testamento-anular-mis-acuerdos-anteriores\/\">will<\/a> pay all the rents and&nbsp;observe&nbsp;the covenants of the lease.&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Responsabilidad inmediata:<\/strong>&nbsp;If the rent is unpaid&nbsp;in accordance with the terms of the <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-mercantil\/litigios-inmobiliarios-2\/prorrogas-de-arrendamientos-comerciales\/\">arrendamiento comercial<\/a>,&nbsp;most modern commercial leases will include provisions that if the tenant fails to pay any of the rents or observe or perform any of those tenant covenants&nbsp;the&nbsp;Guarantor shall pay or observe and perform them.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Responsabilidad solidaria:<\/strong>&nbsp;Por lo tanto, el arrendador puede optar por demandar a la empresa, al administrador\/avalista o a ambos simult\u00e1neamente.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>M\u00e1s all\u00e1 del alquiler:<\/strong>&nbsp;The risk extends beyond the quarterly rent.&nbsp;If the landlord decides not to&nbsp;forfeit&nbsp;the&nbsp;lease&nbsp;then the rent <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/commercial-rent-arrears-a-practical-guide-for-commercial-tenants\/\">arrears<\/a> could continue&nbsp;accruing.&nbsp;In addition to rent, other potential liability can include&nbsp;service <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/gastos-de-comunidad-guia-practica-para-propietarios\/\">charges<\/a>, insurance, and the &#8220;silent killer&#8221; of commercial leases:&nbsp;<strong>Dilapidaciones<\/strong>. A director could potentially&nbsp;be personally liable for six-figure repair <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/la-ley-de-derechos-de-los-inquilinos-que-cambios-ha-introducido-el-trabajo\/\">bill<\/a> at the end of the term&nbsp;of the commercial lease.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Riesgos para los administradores de sociedades que prestan garant\u00edas<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Normalmente, la doctrina de la personalidad jur\u00eddica separada protege a los administradores individuales. Sin embargo, un PG proporcionado por un director de empresa, es una obligaci\u00f3n contractual secundaria que crea una responsabilidad potencialmente significativa para ese garante.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If, for example,&nbsp;the company enters <a href=\"https:\/\/rfblegal.co.uk\/es\/servicios\/derecho-mercantil\/litigios-comerciales\/insolvencia\/\">liquidation<\/a>, the lease may be&nbsp;disclaimed, but the&nbsp;<strong>la responsabilidad del garante puede seguir viva<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De hecho, la reclamaci\u00f3n del propietario contra el director suele convertirse en&nbsp;<em>m\u00e1s<\/em>&nbsp;agresivo una vez que la empresa quiebra, ya que el director se convierte en la \u00fanica entidad solvente capaz de satisfacer la deuda.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Alternativas estrat\u00e9gicas a la garant\u00eda personal<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Landlords require <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/qa-deferred-consideration-security\/\">security<\/a>, but a Personal Guarantee is not the only way to provide it. If you are negotiating a lease or a renewal,&nbsp;there are&nbsp;alternatives that keep personal assets off the table:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Dep\u00f3sitos de alquiler mejorados<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of a PG,&nbsp;it is possible to&nbsp;offer a larger deposit. While a <a href=\"https:\/\/rfblegal.co.uk\/es\/rfbtermsofbusiness0625\/\">standard<\/a> deposit is 3 months, offering 6 or 12 months can often satisfy a landlord\u2019s risk appetite.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El beneficio:<\/strong>&nbsp;Es \u201cdinero inutilizable\u201d en el balance de la empresa, pero evita el riesgo para el patrimonio personal del director asociado a una garant\u00eda personal.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El mecanismo:<\/strong>&nbsp;Garantizar la&nbsp;<strong>Rent Deposit <a href=\"https:\/\/rfblegal.co.uk\/es\/base-de-conocimientos\/que-es-una-escritura-de-modificacion-de-testamento\/\">Deed<\/a><\/strong>&nbsp;clearly outlines when the money is returned and prevents the landlord from drawing down for minor, disputed <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/lo-que-todo-arrendador-de-locales-comerciales-debe-saber-sobre-los-incumplimientos-del-contrato-por-parte-del-inquilino\/\">breaches<\/a>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Garant\u00edas empresariales<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si la empresa arrendataria forma parte de un grupo m\u00e1s amplio, un&nbsp;<strong>Garant\u00eda de la empresa matriz (GCP)<\/strong>&nbsp;es una buena alternativa.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El beneficio:<\/strong>&nbsp;The liability stays within the corporate world. The landlord gets security from a larger entity with a proven balance sheet, but the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/litigios-sobre-energia-y-servicios-publicos-es-usted-un-particular-o-una-empresa-al-que-su-proveedor-de-energia-o-servicios-publicos-le-cobra-de-mas\/\">individual<\/a> directors&nbsp;remain&nbsp;protected.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Garant\u00edas o avales bancarios<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A bank guarantee is a commitment from a financial institution to pay the landlord if the tenant <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/prestamo-puente-impagos-que-ocurre-si-no-se-puede-devolver-un-prestamo-puente-a-tiempo\/\">defaults<\/a>.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La realidad:<\/strong>&nbsp;Por lo general, el banco exigir\u00e1 a la empresa que \u201ccobre\u201d la garant\u00eda o aporte una garant\u00eda corporativa. Su constituci\u00f3n es m\u00e1s compleja, pero proporciona al propietario una seguridad de primer orden sin firma personal.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Pagos de alquiler por adelantado<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En negociaciones de alto riesgo, el pago por adelantado de los primeros 6-12 meses de alquiler puede persuadir ocasionalmente al arrendador para que renuncie a exigir un PG. Esto demuestra liquidez y elimina el riesgo inmediato de morosidad durante las primeras etapas cr\u00edticas del contrato de arrendamiento.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La ventaja del propietario para hacer cumplir la ley<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For landlords, the PG is the ultimate leverage. Unlike suing a company\u2014which might simply go into administration\u2014pursuing a director personally&nbsp;opens up&nbsp;aggressive <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/litigios-sobre-prestamos-puente-como-gestionar-los-impagos-ejecucion-y-clausulas-abusivas\/\">enforcement<\/a> routes:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Acceso directo al patrimonio personal&nbsp;<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si la empresa arrendataria se declara insolvente o deja de pagar el alquiler, el arrendador puede reclamar directamente los bienes personales del avalista. A diferencia de una empresa, que puede entrar en liquidaci\u00f3n sin activos, el avalista -a menudo un directivo de la empresa- es personalmente responsable, lo que significa que sus ahorros personales, inversiones y vivienda podr\u00edan quedar expuestos.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/asesoramiento-sobre-molestias-legales-para-propietarios-y-agentes-de-la-administracion\/\">Statutory<\/a> Demands:<\/strong>&nbsp;El arrendador puede exigir el pago de los atrasos. El impago en el plazo de 21 d\u00edas permite al propietario solicitar la devoluci\u00f3n de la deuda.&nbsp;<strong>director\u2019s personal <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/proteger-sus-intereses-cuando-un-socio-administrador-se-enfrenta-a-la-quiebra\/\">bankruptcy<\/a><\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Responsabilidad principal (a menudo)<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many commercial leases are drafted to make the guarantor&#8217;s liability &#8220;primary&#8221; rather than &#8220;secondary&#8221;. This means the landlord does not have to exhaust all legal <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/conflictos-entre-accionistas-guia-de-prevencion-resolucion-y-recursos\/\">remedies<\/a> against the <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/los-riesgos-y-las-implicaciones-legales-del-impago-de-los-prestamos-puente-por-parte-de-los-prestatarios\/\">defaulting<\/a> tenant company first; they can&nbsp;immediately&nbsp;demand payment from the guarantor.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Seguridad ampliada m\u00e1s all\u00e1 de los dep\u00f3sitos&nbsp;<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mientras que una fianza se limita a la cantidad cobrada (normalmente entre 3 y 6 meses de alquiler), una garant\u00eda personal no suele tener l\u00edmite y cubre todas las obligaciones del inquilino durante toda la vigencia del contrato. Esto incluye:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Alquileres y gastos de servicio impagados.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dilapidaciones (reparaciones y da\u00f1os) al final del plazo.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal costs incurred by the landlord in <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/ejecucion-de-una-resolucion-extranjera-en-inglaterra-y-gales-lista-de-comprobacion-para-la-ejecucion-en-virtud-del-regimen-de-common-law\/\">enforcing<\/a> the lease.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Continuidad de la responsabilidad tras la insolvencia<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If a tenant company goes into liquidation, the lease is often&nbsp;disclaimed. A personal guarantee&nbsp;frequently&nbsp;includes a provision allowing the landlord to compel the guarantor to take on a new lease for the&nbsp;remainder&nbsp;of the term, preventing a loss of rental income on the vacant <a href=\"https:\/\/rfblegal.co.uk\/es\/categoria\/litigios-inmobiliarios\/\">propiedad<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Mayor influencia y aplicaci\u00f3n eficaz de la legislaci\u00f3n<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Litigios m\u00e1s f\u00e1ciles:<\/strong>&nbsp;Reclamar contra un particular suele ser m\u00e1s sencillo que tratar con los liquidadores de una empresa insolvente.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Posici\u00f3n jur\u00eddica m\u00e1s s\u00f3lida:<\/strong>&nbsp;El avalista sigue siendo responsable aunque la reclamaci\u00f3n del arrendador contra el arrendatario se considere inaplicable, siempre que la garant\u00eda se formalice correctamente como escritura.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Responsabilidad solidaria<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si varios directivos o particulares act\u00faan como avalistas, una cl\u00e1usula \u201csolidaria\u201d permite al arrendador reclamar a uno, a algunos o a todos ellos la totalidad del importe adeudado.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Antiguos inquilinos<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Section 17 <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/notificaciones-de-la-seccion-146-guia-para-propietarios-de-locales-comerciales\/\">Notices<\/a>:<\/strong>&nbsp;En virtud de la&nbsp;<em>Ley de arrendamientos de 1995<\/em>, Los propietarios deben entregar una \u201cNotificaci\u00f3n de la Secci\u00f3n 17\u201d en el plazo de&nbsp;<strong>seis meses<\/strong>&nbsp;del vencimiento de los atrasos para reclamarlos a un antiguo inquilino o a su avalista. Los administradores deben comprobar siempre las fechas; si el arrendador tarda en actuar, el administrador puede tener una defensa completa para los atrasos m\u00e1s antiguos.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Consideraciones importantes<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Limitaci\u00f3n de responsabilidad:<\/strong>&nbsp;Los avalistas pueden negociar para limitar su responsabilidad a una cantidad determinada o durante un periodo limitado, en lugar de una garant\u00eda \u201ctotal\u201d.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Disposiciones de liberaci\u00f3n:<\/strong>&nbsp;Las garant\u00edas pueden incluir cl\u00e1usulas de \u201cliberaci\u00f3n anticipada\u201d, por las que el avalista queda liberado al cabo de un tiempo determinado o si el inquilino alcanza ciertos hitos financieros.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Riesgos de variaci\u00f3n:<\/strong>&nbsp;Si un arrendador modifica el contrato (por ejemplo, cambia el alquiler o las instalaciones) sin consultar al avalista, \u00e9ste puede alegar que su responsabilidad queda exonerada.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Reflexiones finales para propietarios e inquilinos<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para&nbsp;<strong>Propietarios<\/strong>, Una garant\u00eda personal es tan buena como la persona que la respalda. Se recomienda comprobar los activos del avalista propuesto para asegurarse de que dispone de los medios necesarios para pagar el alquiler si la empresa fracasa.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para&nbsp;<strong>Inquilinos y directores<\/strong>, Un PG debe ser el \u00faltimo recurso. Si no puede evitarse, aseg\u00farate de que se limita al inquilino actual y no se extiende a futuros \u201cAcuerdos de Garant\u00eda Autorizados\u201d (AGA) cuando finalmente vendas el negocio.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">David Burns, Senior Litigation Partner at Ronald Fletcher Baker LLP, has extensive experience <a href=\"https:\/\/rfblegal.co.uk\/es\/base-de-conocimientos\/cuales-son-las-obligaciones-legales-de-los-propietarios-en-relacion-con-la-humedad-y-el-moho\/\">handling<\/a> issues related&nbsp;to commercial lease disputes and enforcement of guarantees.&nbsp;Whether you are&nbsp;seeking&nbsp;to enforce a guarantee or shield your personal assets, early legal intervention is the only way to manage the risk.&nbsp;For enquiries on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/es\/contacto\/\">contact<\/a> David Burns <a href=\"https:\/\/rfblegal.co.uk\/es\/perspectivas\/guia-para-la-solicitud-de-permisos-de-patrocinador-del-reino-unido-por-la-via-del-visado-para-trabajadores-cualificados\/\">via<\/a> email at D.Burns@rfblegal.co.uk or by phone at 0207 467 5751<\/p>","protected":false},"author":12,"featured_media":9501,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[20],"tags":[81],"class_list":["post-9499","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"In the commercial property sector, the &quot;corporate veil&quot; is often thinner than directors realise. While a limited company provides a shield for many business activities, landlords often require a Personal Guarantee (PG) from company directors \/ suitable guarantors as a condition of the lease. 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While a limited company provides a shield for many business activities, landlords often require a Personal Guarantee (PG) from company directors \/ suitable guarantors as a condition of the lease. 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