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The Personal Guarantee Loan Agreement is commonly used in Swiss banking and lending transactions where additional security is required for a loan. This document is particularly relevant when a lender requires personal assurance beyond the borrower's own creditworthiness, typically in situations involving small business loans, startup financing, or significant personal loans. The agreement must comply with Swiss law, particularly the Swiss Code of Obligations (OR/CO) Articles 492-512 governing guarantees and Articles 312-318 governing loans. It includes detailed provisions about the guarantee's scope, the guarantor's obligations and rights, enforcement procedures, and mandatory protective measures required by Swiss law. The document is essential for risk mitigation in lending transactions while ensuring all parties' rights are protected under Swiss jurisdiction.

1. Parties: Identification of the Lender, Borrower, and Guarantor with full legal names and addresses

2. Background: Context of the loan agreement and the reason for the personal guarantee

3. Definitions: Key terms used throughout the agreement including Loan Amount, Interest Rate, Guarantee Amount, and other relevant terms

4. Loan Terms: Details of the loan including amount, purpose, interest rate, and repayment schedule

5. Guarantee Provisions: Scope and extent of the guarantee, including the maximum amount guaranteed and duration

6. Guarantor's Obligations: Specific obligations and commitments of the guarantor, including conditions for guarantee activation

7. Guarantor's Rights: Rights of the guarantor including right of recourse against the borrower and information rights

8. Representations and Warranties: Statements of fact by all parties regarding their capacity and authority to enter into the agreement

9. Events of Default: Circumstances that constitute default under the loan and trigger the guarantee

10. Enforcement: Procedures and requirements for enforcing the guarantee

11. Notices: Communication requirements and contact details for all parties

12. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction for disputes