PG vs. No-PG Tradelines

A personal guarantee (PG) makes you personally liable if the business does not pay. Early business credit is mostly no-PG vendor accounts; bank credit cards for young businesses usually require a PG until the business file can carry the risk alone.

Why it matters

Mixing these up is how owners accidentally put their house behind a $2,000 vendor account. Knowing which accounts carry a PG - and when the file is strong enough to shed them - is the boundary between business credit and personal risk.

Key facts

• A PG makes the debt legally yours: default can hit your personal credit and personal assets.
• No-PG accounts exist at every tier but get scarcer as limits rise, until the business file is deep and banked.
• EIN-only funding marketing often hides a PG in the fine print - read the application, not the ad.
• Some cards report to personal bureaus only on default; others report monthly - a PG card can build or burn your personal file.

In practice

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