PGI premiums are calculated based on your specific situation. No hidden fees, no surprises. Just defined cost for defined protection.
Typical Annual Premium
2.5-3.2%
of coverage amount per year
USA: 2.5-3.0% | Canada: 2.8-3.2%. Exact premium depends on your guarantee amount, loan type, and risk profile.
The size of your personal guarantee is the primary factor. Larger guarantees mean more coverage needed, which affects the premium. Coverage limits vary by region: up to $3 million in the US and up to $1 million in Canada.
Different loan types carry different risk profiles. SBA loans, term loans, acquisition financing, and real estate loans are all evaluated based on their specific characteristics.
Your business's revenue, profitability, cash flow, and balance sheet strength all factor into risk assessment. Healthier businesses typically qualify for better rates.
Your personal credit score and financial history help determine the overall risk profile. Better credit generally translates to lower premiums.
Illustrative examples only. Your actual premium will be based on your specific situation.
| Guarantee Amount | Coverage (80%) | Est. Annual Premium |
|---|---|---|
| $250,000 | $200,000 | $4,000 - $10,000 |
| $500,000 | $400,000 | $8,000 - $20,000 |
| $1,000,000 | $800,000 | $16,000 - $40,000 |
| $2,000,000 | $1,600,000 | $32,000 - $80,000 |
Consider what's at stake. A $500,000 personal guarantee puts your home, savings, retirement accounts, and personal investments at risk. If the worst happens, you could lose everything you've spent decades building.
PGI converts that open-ended exposure into a defined, budgetable cost. For a few percentage points annually, you separate business risk from personal wealth. Many business owners view the premium as a cost of capital, similar to interest payments on the loan itself.
Sophisticated operators manage downside risk. That's not fear, that's judgment. PGI is how disciplined founders protect what they've already won while pursuing growth.
Download the app to get a quote based on your situation.