If you need simple working capital to run your business, there are various reduced loans available. There are two that do not require personal guarantees to my knowledge – MicroFinance Ireland (Loans €2,000 – €25,000) and SCBI (Loans from €25,000 – €1.5m).
However in the case of SCBI, up to €500,000 may be unsecured. The rate of success in SCBI drawdown to date has been very low <10%.
Please take advice before you borrow money – do not throw good money after bad, and remember, it will have to be repaid someday.