{"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":"personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/it\/approfondimenti\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/","title":{"rendered":"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0"},"content":{"rendered":"<p>In the commercial property sector, the &#8220;corporate veil&#8221; is often thinner than directors realise. While a limited company provides a shield for many business activities, landlords&nbsp;often&nbsp;require&nbsp;a&nbsp;<strong>Personal Guarantee (PG)&nbsp;<\/strong>from company directors \/ suitable guarantors&nbsp;as a condition of the lease. 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>As&nbsp;a Senior Litigation Partner at&nbsp;Ronald Fletcher Baker LLP,&nbsp;I see firsthand how these guarantees transform a corporate setback into a personal crisis. When rent arrears 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>The Legal Reality:&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<p>A common misconception among directors is that a landlord 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 will 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>Immediate Liability:<\/strong>&nbsp;If the rent is unpaid&nbsp;in accordance with the terms of the commercial lease,&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>Joint and Several Liability:<\/strong>&nbsp;The landlord can&nbsp;usually therefore&nbsp;choose to sue the company, the director&nbsp;\/ guarantor&nbsp;or both simultaneously.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Beyond Rent:<\/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 arrears could continue&nbsp;accruing.&nbsp;In addition to rent, other potential liability can include&nbsp;service charges, insurance, and the &#8220;silent killer&#8221; of commercial leases:&nbsp;<strong>Dilapidations<\/strong>. A director could potentially&nbsp;be personally liable for six-figure repair bill 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>Risks for company directors who provide guarantees<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Usually, the doctrine of separate legal personality protects individual&nbsp;directors. However, a PG&nbsp;provided by a company director,&nbsp;is a secondary contractual obligation&nbsp;that&nbsp;creates&nbsp; potentially&nbsp;significant liability for that guarantor.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If, for example,&nbsp;the company enters liquidation, the lease may be&nbsp;disclaimed, but the&nbsp;<strong>guarantor\u2019s liability&nbsp;may well&nbsp;remain live<\/strong>.&nbsp;<\/p>\n\n\n\n<p>In fact, the landlord\u2019s claim against the director often becomes&nbsp;<em>more<\/em>&nbsp;aggressive once the company fails, as the director becomes the only solvent entity capable of satisfying the debt.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Strategic Alternatives to the Personal Guarantee<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Landlords require security, 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. Enhanced Rent Deposits<\/strong>&nbsp;<\/h3>\n\n\n\n<p>Instead of a PG,&nbsp;it is possible to&nbsp;offer a larger deposit. While a standard 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>The Benefit:<\/strong>&nbsp;It is &#8220;unusable&nbsp;money&#8221; on the company\u2019s balance sheet, but it&nbsp;avoids the&nbsp;risk to the director\u2019s personal estate&nbsp;associated with a personal guarantee.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Mechanism:<\/strong>&nbsp;Ensure the&nbsp;<strong>Rent Deposit Deed<\/strong>&nbsp;clearly outlines when the money is returned and prevents the landlord from drawing down for minor, disputed breaches.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Corporate Guarantees<\/strong>&nbsp;<\/h3>\n\n\n\n<p>If the tenant company is part of a wider group, a&nbsp;<strong>Parent Company Guarantee (PCG)<\/strong>&nbsp;is a strong alternative.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Benefit:<\/strong>&nbsp;The liability stays within the corporate world. The landlord gets security from a larger entity with a proven balance sheet, but the individual directors&nbsp;remain&nbsp;protected.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Bank Guarantees or Bonds<\/strong>&nbsp;<\/h3>\n\n\n\n<p>A bank guarantee is a commitment from a financial institution to pay the landlord if the tenant defaults.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Reality:<\/strong>&nbsp;The bank will usually require the company to &#8220;cash-back&#8221; the guarantee or provide corporate security. It is more complex to set up but provides the landlord with gold-standard security without a personal signature.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Upfront Rent Payments<\/strong>&nbsp;<\/h3>\n\n\n\n<p>In high-stakes negotiations, paying the first 6\u201312 months of rent in advance can occasionally persuade a landlord to waive the requirement for a PG. This&nbsp;demonstrates&nbsp;liquidity and removes the immediate risk of arrears during the critical&nbsp;early stages&nbsp;of the lease.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Landlord\u2019s Enforcement Advantage<\/strong>&nbsp;<\/h2>\n\n\n\n<p>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 enforcement routes:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Direct Access to Personal Assets&nbsp;<\/strong>&nbsp;<\/h3>\n\n\n\n<p>If the tenant company becomes insolvent or&nbsp;fails to&nbsp;pay rent, the landlord can directly pursue the guarantor&#8217;s personal assets. Unlike a company that can go into liquidation with no assets, the guarantor\u2014often a company director\u2014is personally liable, meaning their personal savings, investments, and home could be exposed.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Statutory Demands:<\/strong>&nbsp;A landlord could potentially&nbsp;serve a demand for the arrears. Failure to pay within 21 days allows the landlord to petition for the&nbsp;<strong>director\u2019s personal bankruptcy<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Primary Liability (Often)<\/strong>&nbsp;<\/h3>\n\n\n\n<p>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 remedies against the defaulting 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. Extended Security Beyond Deposits&nbsp;<\/strong>&nbsp;<\/h3>\n\n\n\n<p>While a security deposit is limited to the amount collected (typically 3\u20136 months&#8217; rent), a personal guarantee is usually uncapped and covers all tenant obligations for the entire lease term. This includes:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unpaid rent and service charges.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dilapidations (repairs and damages) at the end of the term.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal costs incurred by the landlord in enforcing the lease.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Continued Liability After Insolvency<\/strong>&nbsp;<\/h3>\n\n\n\n<p>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 property.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Increased Leverage and Efficient Enforcement<\/strong>&nbsp;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Easier Litigation:<\/strong>&nbsp;Claiming against an individual is often more straightforward than dealing with an insolvent company&#8217;s liquidators.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stronger Legal Position:<\/strong>&nbsp;The guarantor&nbsp;remains&nbsp;liable even if the landlord\u2019s claim against the tenant is&nbsp;deemed&nbsp;unenforceable, provided the guarantee is properly executed as a deed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Joint and Several Liability<\/strong>&nbsp;<\/h3>\n\n\n\n<p>If multiple directors or individuals act as guarantors, a &#8220;joint and several&#8221; clause allows the landlord to pursue one, some, or all of them for the entire amount owed&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Former Tenants<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Section 17 Notices:<\/strong>&nbsp;Ai sensi del&nbsp;<em>Landlord and Tenant (Covenants) Act 1995<\/em>, landlords must serve a &#8220;Section 17 Notice&#8221; within&nbsp;<strong>six months<\/strong>&nbsp;of the arrears falling due to claim them from a&nbsp;former tenant or their&nbsp;guarantor. Directors should always check the dates; if the landlord is slow to act, the director may have a complete defence for older arrears.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Important Considerations<\/strong>&nbsp;<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Limitation of Liability:<\/strong>&nbsp;Guarantors can negotiate to cap their liability at a certain sum or for a limited period, rather than an &#8220;all-encompassing&#8221; guarantee.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Release Provisions:<\/strong>&nbsp;Guarantees can include &#8220;early release&#8221; clauses, where the guarantor is released after a specific time or if the tenant hits certain financial milestones.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Variation Risks:<\/strong>&nbsp;If a landlord varies the lease (e.g., changes the rent or premises) without consulting the guarantor, the guarantor may argue that their liability is discharged.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts for Landlords and Tenants<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Per&nbsp;<strong>Landlords<\/strong>, a Personal Guarantee is only as good as the person behind it.&nbsp;It is recommended to&nbsp;perform &#8220;asset checks&#8221; on a proposed guarantor to ensure they&nbsp;actually have&nbsp;the means to cover the rent if the business fails.&nbsp;<\/p>\n\n\n\n<p>Per&nbsp;<strong>Tenants and Directors<\/strong>, a PG should be the absolute last resort. If it cannot be avoided, ensure it is limited to the current tenant and does not extend to future &#8220;Authorised Guarantee Agreements&#8221; (AGAs) when you eventually sell the business.&nbsp;<\/p>\n\n\n\n<p>David Burns, Senior Litigation Partner at Ronald Fletcher Baker LLP, has extensive experience handling 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 contact David Burns via 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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0 - RFB Legal<\/title>\n<meta name=\"description\" content=\"Find out how personal guarantees affect commercial rent arrears and whether company directors can be held personally liable today too online\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rfblegal.co.uk\/it\/approfondimenti\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0 - RFB Legal\" \/>\n<meta property=\"og:description\" content=\"Find out how personal guarantees affect commercial rent arrears and whether company directors can be held personally liable today too online\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rfblegal.co.uk\/it\/approfondimenti\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/\" \/>\n<meta property=\"og:site_name\" content=\"RFB Legal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RFBLegal\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-11T13:45:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2120\" \/>\n\t<meta property=\"og:image:height\" content=\"1108\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/\",\"url\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/\",\"name\":\"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0 - RFB Legal\",\"isPartOf\":{\"@id\":\"https:\/\/rfblegal.co.uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png\",\"datePublished\":\"2026-05-11T11:29:32+00:00\",\"dateModified\":\"2026-05-11T13:45:51+00:00\",\"description\":\"Find out how personal guarantees affect commercial rent arrears and whether company directors can be held personally liable today too online\",\"breadcrumb\":{\"@id\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#breadcrumb\"},\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#primaryimage\",\"url\":\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png\",\"contentUrl\":\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png\",\"width\":2120,\"height\":1108},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/rfblegal.co.uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insights\",\"item\":\"https:\/\/rfblegal.co.uk\/insights\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/rfblegal.co.uk\/#website\",\"url\":\"https:\/\/rfblegal.co.uk\/\",\"name\":\"RFB Legal\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/rfblegal.co.uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/rfblegal.co.uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/rfblegal.co.uk\/#organization\",\"name\":\"RFB Legal\",\"url\":\"https:\/\/rfblegal.co.uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/rfblegal.co.uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg\",\"contentUrl\":\"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg\",\"caption\":\"RFB Legal\"},\"image\":{\"@id\":\"https:\/\/rfblegal.co.uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/RFBLegal\/\",\"https:\/\/www.linkedin.com\/uas\/login?session_redirect=company2012282\",\"https:\/\/www.instagram.com\/rfb_legal\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0 - RFB Legal","description":"Find out how personal guarantees affect commercial rent arrears and whether company directors can be held personally liable today too online","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rfblegal.co.uk\/it\/approfondimenti\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/","og_locale":"it_IT","og_type":"article","og_title":"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0 - RFB Legal","og_description":"Find out how personal guarantees affect commercial rent arrears and whether company directors can be held personally liable today too online","og_url":"https:\/\/rfblegal.co.uk\/it\/approfondimenti\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/","og_site_name":"RFB Legal","article_publisher":"https:\/\/www.facebook.com\/RFBLegal\/","article_modified_time":"2026-05-11T13:45:51+00:00","og_image":[{"width":2120,"height":1108,"url":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/","url":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/","name":"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0 - RFB Legal","isPartOf":{"@id":"https:\/\/rfblegal.co.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#primaryimage"},"image":{"@id":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#primaryimage"},"thumbnailUrl":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png","datePublished":"2026-05-11T11:29:32+00:00","dateModified":"2026-05-11T13:45:51+00:00","description":"Find out how personal guarantees affect commercial rent arrears and whether company directors can be held personally liable today too online","breadcrumb":{"@id":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#breadcrumb"},"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/"]}]},{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#primaryimage","url":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png","contentUrl":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2026\/05\/Personal-Guarantees-and-Commercial-Rent-Arrears-Are-Directors-at-Risk-DB-scaled.png","width":2120,"height":1108},{"@type":"BreadcrumbList","@id":"https:\/\/rfblegal.co.uk\/insights\/personal-guarantees-and-commercial-rent-arrears-are-directors-at-risk\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rfblegal.co.uk\/"},{"@type":"ListItem","position":2,"name":"Insights","item":"https:\/\/rfblegal.co.uk\/insights\/"},{"@type":"ListItem","position":3,"name":"Personal Guarantees and Commercial Rent Arrears: Are Directors at Risk?\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/rfblegal.co.uk\/#website","url":"https:\/\/rfblegal.co.uk\/","name":"RFB Legale","description":"","publisher":{"@id":"https:\/\/rfblegal.co.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rfblegal.co.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Organization","@id":"https:\/\/rfblegal.co.uk\/#organization","name":"RFB Legale","url":"https:\/\/rfblegal.co.uk\/","logo":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/rfblegal.co.uk\/#\/schema\/logo\/image\/","url":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg","contentUrl":"https:\/\/rfblegal.co.uk\/wp-content\/uploads\/2024\/01\/header_company_logo.svg","caption":"RFB Legal"},"image":{"@id":"https:\/\/rfblegal.co.uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/RFBLegal\/","https:\/\/www.linkedin.com\/uas\/login?session_redirect=company2012282","https:\/\/www.instagram.com\/rfb_legal\/"]}]}},"_links":{"self":[{"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/insight\/9499","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/types\/insight"}],"author":[{"embeddable":true,"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/users\/12"}],"version-history":[{"count":2,"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/insight\/9499\/revisions"}],"predecessor-version":[{"id":9523,"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/insight\/9499\/revisions\/9523"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/media\/9501"}],"wp:attachment":[{"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/media?parent=9499"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/categories?post=9499"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rfblegal.co.uk\/it\/wp-json\/wp\/v2\/tags?post=9499"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}