Significance of a Personal Guarantee when lending to a limit

Yes, indeed!

If a platform decides that pursuing a PG is less than likely to succeed, and/or that the cost of pursuit likely would be too high relative to the potential return, and therefore that they aren't willing to do engage the lawyers, then the PG is worthless.  To the extent that the platform might have seen at the time the loan was made that the PG wouldn't be worth pursuing, then IMHO they shouldn't even mention the existence of the PG as that's more than likely to mislead potential investors.

"Mislead" is a very circumspect choice of words mikes1531, most of the battle scarred on here would use more descriptive and certainly more accurate words in lieu!  

I don't know the definitive answer to your conundrum Wooders old boy but you would hope that those P2P's who manage your funds might at least have an inkling..however, my experience over the last few years has made me somewhat sceptical, that those platforms always go so deep into a companies underbelly that their DNA is exposed for all to see. Further, the T's & C's that seemingly apply to these platforms, which allows them to operate, doesn't seem to deter the plethora of new start ups from trying their hand at the lending business. Clearly, there is oodles of profit to be made for the successful ones and if the conditions of trading were so onerous, would we see so many I wonder ? The fact that their customers are prepared to pay way over the odds in interest charges compared to established banking rates makes one wonder why they choose the P2P's at all but of course, we wouldn't be discussing the pros and cons and I wouldn't be typing this waffle on this board now, if they didn't. Looking at the embers of my FC account, it suggests that the only PG worth anything at all is the triangular tea bag I drop into my mug countless times a day. Never breaks its promise and always pays dividends 

In the case of a loan to company, the P2P firm charge should be clearly listed against the company, and will be visible on the Companies House website once correctly registered.

For example, the FS Marlborough charge is documented against Q**S h**s ltd. I'll send you a PM.

Re: your second point, the status of other assets/liabilities the company may have is not, I believe, relevant providing the 1st charge is in place. The only concern would be if the P2P firm hold a second (or below) charge against the asset, in which case the first charge holder would have recourse to proceeds from the asset first.

That's my understanding anyway.

Havent scrutinised your post forensically as I have to go out...isn't there something called an All Asset 1st charge that includes everything including personal assets ?

Crossed with everything by the looks of it

As regards where the charge needs to be registered, for land or property owned by a limited company,

www.gov.uk/government/publications/registration-of-legal-charges-and-deeds-of-variation-of-charge/practice-guide-29-registration-of-legal-charges-and-deeds-of-variation-of-charge

appears to suggest that the charge needs to be registered *both* with Companies House and with the Land Registry?