For owners, one balance sheet.
The business and household balance sheet are one system for an owner — we structure borrowing to protect both.
A guarantee is a household liability
An owner's guarantee on a business loan is a household liability wearing a business costume — it belongs on the family balance sheet, and it changes how much other risk the household should carry.
Looking at both sides as one picture
We look at business borrowing, personal guarantees, and exit financing as one picture, which keeps growth on the business side from quietly concentrating risk on the family side.
What’s included.
- Working-capital lines structured to fit the business
- Equipment and expansion financing weighed against the plan
- Owner-guarantee exposure — reviewed on the household balance sheet where it lives
- SBA and alternative-lender introductions
- Exit financing considered ahead of the sale
How it works.
Map both balance sheets
You see the business and household balance sheets reviewed together, not as two separate stories.
Review guarantee exposure
You learn what your personal guarantee actually adds to household risk before you sign it.
Structure the financing
You get working-capital, expansion, or exit financing structured against that combined picture, not the business alone.
Answers from the practice.
Why treat a business guarantee as a household liability?
Because if the business can't repay, the guarantee is the household's obligation. We review guarantee exposure alongside personal debt so the household's total risk is visible in one place, not split across two balance sheets.
What does exit-financing coordination involve?
Reviewing how a future sale or succession is financed — for the buyer, the seller, or both — so the structure of an eventual exit is considered alongside current borrowing, not decided from scratch when the sale is already underway.
Coordinate with the rest of the firm.
Mortgage Strategy
Mortgage structure ripples through the tax return, cash-flow plan, and balance sheet — we model it before you shop it.
LendingSecurities-Based Lending
A line of credit against the portfolio can fund a purchase, a tax bill, or a business move without forcing a sale.
Family Office ServicesFamily Office Services
Concierge financial coordination, generational governance, and consolidated reporting.
Talk through business credit.
An introductory conversation is the easiest way to learn whether 755 Financial is the right fit.
Schedule a Conversation