Lenders, landlords, and vendors requiring personal guarantees get signed guarantor agreements with identity verification, audit trails, and irrefutable evidence of voluntary execution.
Free plan available · No credit card required · ESIGN Act compliant
Built-in features that save time and close deals faster.
Commercial lease guarantees, business loan guarantees, vendor credit guarantees, and SBA loan personal guarantees — pre-drafted with appropriate scope, terms, and waiver provisions.
Templates for commercial lease, business loan, vendor credit, and SBA loan personal guarantees.
A personal guarantee is only valuable if the guarantor is identifiable. Zignature's optional identity verification requires the guarantor to upload a government ID and selfie — tying the signature to a verified identity.
Government ID + selfie verification ties guarantor identity to their signature.
Guarantors sometimes claim they didn't understand what they were signing. Zignature's read-time tracking and acknowledgement clicks provide irrefutable evidence of informed, voluntary consent.
Section-level read tracking and voluntary consent acknowledgements for enforceability.
From simple agreements to complex multi-party workflows.
No training required. Send your first document today.
Select unlimited, limited, or continuing guarantee template.
Turn on ID verification for maximum guarantor identity assurance.
Guarantor receives signing link — completes ID check then signs.
Signed guarantee with ID verification certificate archived for enforcement.
Free trial — no credit card required.
Everything you need to know.
Yes. Personal guarantees executed via e-signature under the ESIGN Act and UETA are legally enforceable. Courts have upheld e-signed guarantees in lending and commercial contexts. For high-value guarantees, consider adding identity verification.
Yes. Zignature's identity verification (powered by Stripe Identity) requires the guarantor to upload a government-issued photo ID and take a live selfie. The verified identity is attached to the signed guarantee as a certificate.
For significant guarantees, recommending (and documenting) that the guarantor received independent legal advice strengthens enforceability. Zignature's template includes an optional independent advice acknowledgement field.
Yes. In community property states, a spouse's signature may be required for personal guarantees involving marital assets. Zignature's multi-party signing supports adding a spouse as a second signatory.
An unlimited guarantee creates personal liability for all amounts owed under the guaranteed obligation with no cap. A limited guarantee caps personal liability at a specific amount or for a specific term. Most commercial lenders prefer unlimited guarantees; most guarantors prefer limited guarantees.
Personal guarantees remain valid until the underlying obligation is discharged, unless the guarantee itself specifies an expiry. Continuing guarantees for revolving credit facilities typically remain in force until formally revoked by the guarantor with proper notice.