That is where your wrong. There are lenders (rare but out there) that do not require personal guarantee on the loan/line. Businesses that have been in business for 2+ years with business owners showing good credit history (however the line or loan will not show on personal credit report, but used for evaluating credit worthiness) could get lines of credits/ loans without personal guarantee.
I HAVE THOSE PROGRAMS, NO JOKE
full disclosure docs checkout www.ezunsecured.com for more info.