AuFort provides personal guarantee insurance for small business owners and real estate investors, covering 80% of their personal obligation if a business loan defaults. The company offers instant quotes through a simple online questionnaire and connects borrowers with agents to finalize coverage. Policies are backed by A.M. Best A- rated carriers and integrate with existing loan agreements without changing their terms.
Funding
Funding not disclosed
Founders
Product
Problem
Small business owners and real estate investors who sign personal guarantees on commercial loans face the risk of losing personal assets if their business defaults. A single business setback can turn into lifelong financial damage, and many borrowers are uncomfortable with this level of personal exposure.
Solution
AuFort provides personal guarantee insurance that covers 80% of a borrower's personal obligation if their business defaults, leaving them with a manageable 20% deductible. The coverage integrates seamlessly with existing loan agreements without altering the terms already negotiated, and premiums modestly increase the loan payment. Borrowers answer a few questions about their loan and business to receive an instant estimate, then connect with an agent to finalize coverage. The product is structured for regulated financial environments and backed by A.M. Best A- rated carriers, with pricing built on real-world lending data.
Target Audience
Primary customers are small business owners, founders, and real estate investors who are taking commercial or SBA loans and are required to sign personal guarantees as part of their financing.
Features
- Covers 80% of the personal guarantee obligation in the event of business default
- 20% deductible structure that balances protection with accountability
- Instant online quote process requiring only basic loan and business details
- Seamless integration with existing loan agreements without changing negotiated terms
- Policies backed by A.M. Best A- (Excellent) rated carriers
- Pricing models built on real-world lending data for accurate risk assessment
- Dedicated agent support to finalize policies and activate coverage