no, zero is the bottom limit. Unless you do something stupid like personal guarantees on loans or do not incorporate. Thats the point of LLCs. Limit the liabili

no, zero is the bottom limit. Unless you do something stupid like personal guarantees on loans or do not incorporate. Thats the point of LLCs. Limit the liability of shareholders. I am an owner / co-owner of 3 (US-based) LLCs, and I can tell you from experience that banks will require a personal guarantee, joint and several, of all principal owners, for any non-collateralized loan or line of credit. The same is generally true of most lessors, as well. Some (most?) tech incubators / hubs / innovation centers are the exception, and I am sure also some smaller 'mom-and-pop' lessors. But once we moved out of those, we had lessors wanting us personally guaranteeing our 3-5 year leases, although we were able to negotiate those terms away with some of them. We were able to secure net-30 terms from suppliers, however, that did not require a personal guarantee. Even if you managed to somehow navigate these waters without anyone requiring a personal guarantee, zero is generally not the bottom limit. If you are a founder, or an owner, you most likely have brought assets and/or money into the venture.